Accounting & Invoicing
Xero
Unlimited-user cloud accounting priced per organization, not per seat.
4.4· 3,311 reviews· via CapterraFounded 2006 · Wellington, New Zealand
What is Xero?
Xero is cloud accounting software for small businesses and their advisors, notable for including unlimited users on every plan. It handles bookkeeping, invoicing, bank reconciliation, and reporting.
Best known for: Cloud accounting with unlimited users
Key features
- Bank reconciliation
- Invoicing and quotes
- Bill and expense management
- Unlimited users per plan
- Financial reporting
- App marketplace integrations
Who Xero is best for
- Teams that need many users without per-seat fees
- Businesses wanting strong bank-feed reconciliation
- Multi-currency or project-based small businesses
Ideal team: Micro to small businesses (solo up to ~20 staff) wanting unlimited logins on a flat org fee.
Xero pricing
Early
$25/flat / mo
- 20 invoices & 5 bills/mo
- Bank reconciliation
- Unlimited users
Popular
Growing
$55/flat / mo
- Unlimited invoices & bills
- Bulk reconciliation
- Unlimited users
Established
$90/flat / mo
- Multi-currency
- Projects & expenses
- Analytics
Costs to watch before you commit
- Early plan's hard 20-invoice / 5-bill monthly limit forces upgrades quickly.
- Payroll (via Gusto) and project tools cost extra or are Established-only.
- Payment processing (Stripe/GoCardless) fees apply per transaction.
- List prices rose effective March 1, 2026; annual prepay gives only a modest discount.
Compare Xero head-to-head
See how Xero stacks up against the alternatives — full BUILD · STACK · FLOW breakdowns of pricing, features, and automation recipes.
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