Xero

Cloud accounting: invoicing, bank reconciliation, bills, Gusto payroll add-on.

Ranking score: 4.4 average across 5 review sites

G2 (opens in a new tab)4.4 out of 51,834 reviewsas of October 24, 2026
Capterra (opens in a new tab)4.4 out of 53,333 reviewsas of October 24, 2026
Trustpilot (opens in a new tab)4.1 out of 511,468 reviewsas of October 24, 2026
Apple App Store (opens in a new tab)4.7 out of 51,692 reviewsas of October 24, 2026
Google Play (opens in a new tab)4.3 out of 521,228 reviewsas of October 24, 2026

Fits

Small businesses, especially with an outside bookkeeper

Starting price

Early $27/mo (promo $2.70/mo first 6 months, ends Nov 2 2026)

Price status: Verified

Price checked: October 23, 2026

Pricing source

xero.com/us/pricing-plans

Research notes

These notes summarize the vendor's own pricing pages, help docs and site, read on October 23–24, 2026. Prices and plans change, so check the source link before you buy.

Strengths

Every plan can send invoices and quotes, take online payments and reconcile bank transactions. (source)
Payroll is available as an add-on powered by Gusto. (source)

Limitations

Early ($27/month) caps you at 20 invoices and 5 bills. (source)
The $2.70 price is a 90%-off promo for the first 6 months, ending November 2, 2026. Then it's $27/month. (source)

Visit Xero

xero.com/us

Also filed under Bookkeeping

Full list for bookkeeping