88
Stack Score
Best for
Small businesses, accountants, and multi-currency operators outside the US who want clean cloud accounting with a strong app ecosystem.
At a glance
- Pricing
- paidfrom $20/mo
- Setup time
- Half a day
- Learning curve
- medium
- Last verified
- 5/19/2026
What we love
- ✓Cleaner UX than QuickBooks for non-accountants
- ✓Strong global presence for multi-currency
- ✓Massive app marketplace for verticals
Where it falls short
- −Reporting less flexible than QuickBooks Online
- −Payroll only in select regions
- −Recent price hikes drew customer complaints
Pricing
✓ Pricing verified Jun 21, 20264 tiers
Early
$20
per month (US)
- ✓20 invoices
- ✓5 bills
- ✓Reconciliation
Growing
$47
per month (US)
- ✓Unlimited invoices
- ✓Bills
- ✓Bulk reconcile
Established
$80
per month (US)
- ✓Multi-currency
- ✓Projects
- ✓Expense claims
- ✓Analytics
Ultimate
$99+
per month (region varies)
- ✓Payroll
- ✓Advanced analytics
- ✓More users
Why we picked it
If you're outside the US, Xero is often the better fit.
Overview
Cloud accounting for SMBs — invoicing, banking, payroll. Strong in UK/AU/NZ. The major QBO alternative.
Key features
- ●Bank feeds and reconciliation across 21,000+ banks
- ●Invoicing with payment integrations
- ●Bills and expense management with capture
- ●Just Ask Xero AI assistant
- ●Multi-currency accounting in 160+ currencies
- ●Inventory tracking and quoting
Best use cases
Small business bookkeeping
Owners handle invoicing, reconciliation, and reporting without an in-house accountant.
Multi-entity accounting
Holding companies with international subs get clean multi-currency consolidations.
Accountant-managed clients
Bookkeeping firms use Xero HQ to manage dozens of SMB clients in one console.
Integrations
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