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Xero is cloud-based accounting software built for small businesses, solopreneurs, and the accountants and bookkeepers who serve them. The platform centralizes financial management in a single, secure environment, enabling users to handle invoicing, bank connections, bill payments, expense claims, payroll, and inventory from any device.
The software automates time-consuming tasks such as bank transaction reconciliation, invoice reminders, and data capture through Hubdoc, which pulls bills and receipts into Xero automatically. Smart reporting and analytics tools, including Analytics powered by Syft, deliver trend analysis and customizable dashboards to support confident business decisions.
Xero offers three subscription tiers — Early, Growing, and Established — designed to scale with a business as it grows. Each plan includes 24/7 online support and access to the Xero App Store, where users can find, try, and buy business apps that connect directly with Xero.
For accounting and bookkeeping practices, Xero provides dedicated tools including Xero HQ for client and staff management, Xero Practice Manager for practice workflow, Xero Workpapers for compliance, and Xero Cashbook and Ledger for smaller clients. A partner program offers free Xero access, certification pathways, and discounts to the over 250,000 accountants and bookkeepers already using the platform.
JAX, Xero's AI financial superagent, automates routine tasks and delivers actionable financial insights. JAX can answer business questions with real-time public information, explore financial data, and automate tasks such as creating and sending quotes and invoices via Xero, WhatsApp, SMS, and email.
- Reconciling bank transactions automatically to reduce manual bookkeeping time
- Sending professional online invoices and tracking payment status in real time
- Capturing bills and receipts digitally using Hubdoc for paperless record keeping
- Managing and paying supplier bills directly within the accounting platform
- Tracking and claiming employee expenses with mobile-friendly expense tools
- Running payroll and managing employee records from within Xero
- Monitoring inventory levels and managing stock across retail or trade businesses
- Generating financial reports and cash flow insights for smarter business decisions
- Managing an accounting practice with client workflows, compliance, and staff tools
- Automating quote and invoice creation using JAX, the AI financial superagent
- Connecting third-party business apps to Xero via the Xero App Store integrations
- Supporting tax preparation and fiscal year-end processes for small businesses
