Xero 🧾 Service

What you get

Xero is cloud accounting software for small businesses, used directly by founders or by their accountant. US plans on the pricing page:

• Early: $27 a month; 20 invoices and 5 bills a month and a 30-day cash flow forecast.
• Growing: $59 a month; unlimited invoices and bills, a 60-day forecast and custom dashboards.
• Established: $97 a month; a 180-day forecast, multiple currencies, project time tracking and international bill payments.

Add-ons include Xero Payroll (powered by Gusto) at $36 a month plus $6 per employee or contractor, auto-reconcile on Early at $5 a month, and Inventory Plus on the higher plans.

Who qualifies

Any small business. The prices above are from Xero's US site; other countries have their own plans and prices.

Good to know

• On the day we checked, new US customers buying their first organisation on xero.com could get 80% off for three months with code DC80325309US (base plan only; add-ons, usage and payment fees excluded). After three months the full price applies.
• The Early plan's limit of 20 invoices and 5 bills a month is tight once you have regular suppliers.
• Most accountants and bookkeepers know Xero, which makes handing over books easy.
• If you use an accountant, ask whether they already work in Xero; many offer a lower fee when they can use the software they know.

Verdict

Xero is a dependable choice if you or your accountant will keep the books in-house. Start on Early with the 80% discount, and expect to move to Growing as soon as you pay more than a few bills a month.

1. Open the Xero US pricing page and pick Early, Growing or Established.
2. Enter the discount code shown on the page at sign-up if you are a new US customer.
3. Create your organisation and connect your bank feeds.
4. Set up invoicing, bills and your chart of accounts (or invite your accountant).
5. Add Xero Payroll if you need it.