Xero Review
By Itai Varochik | Last updated January 25, 2026
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Our Verdict
Xero is the best QuickBooks alternative for small businesses, offering unlimited users, a clean interface, and excellent global support. Particularly strong for international businesses and teams that need collaborative accounting.
GetASearch Score: 8/10
Rating: 4.5/5 (1456 reviews)
Pros
- Unlimited users on all plans
- Beautiful, intuitive interface
- 21,000+ bank feed integrations
- 1,000+ app marketplace integrations
- Strong multi-currency support
- Popular with accountants globally
Cons
- Limited inventory management
- No built-in payroll in all regions
- Starter plan limited to 20 invoices/month
- US market share smaller than QuickBooks
- Phone support not available on all plans
Score Breakdown
| Criteria | Score |
|---|---|
| Features | 8.0/10 |
| Ease of Use | 8.5/10 |
| Value for Money | 8.0/10 |
| Customer Support | 7.5/10 |
| Overall | 8.0/10 |
What is Xero?
Xero is a cloud-based accounting platform built for small businesses, serving 3.9+ million subscribers globally. Headquartered in New Zealand, Xero has become the leading alternative to QuickBooks - particularly popular in the UK, Australia, and New Zealand - with an intuitive interface, strong bank feed integrations, and unlimited user seats on all plans. The platform automates bank reconciliation by importing transactions from 21,000+ financial institutions and using machine learning to suggest categorizations. Key features include invoicing (with payment tracking and reminders), expense claims, inventory management, purchase orders, and multi-currency support for 160+ currencies. Xero's standout advantage is unlimited users on all plans - QuickBooks charges per user, making Xero significantly cheaper for teams. Plans start at $15/month (Starter) for 20 invoices/month, $42/month (Standard) for unlimited invoices, and $78/month (Premium) adding multi-currency and project tracking. The Xero App Marketplace offers 1,000+ integrations covering payroll, POS, CRM, and industry-specific tools. Real-time collaboration lets your accountant and bookkeeper access your books simultaneously. Mobile apps provide invoicing, receipt capture, and bank reconciliation on the go.
Integrations: Stripe, PayPal, Shopify, Square, HubSpot
Xero Features
| Feature | Available | Description |
|---|---|---|
| Invoicing | Yes | Professional invoicing |
| Bank Feeds | Yes | Auto bank reconciliation |
| Multi-Currency | Yes | 160+ currencies |
| Reporting | Yes | Financial reports |
| Unlimited Users | Yes | No per-user charges |
Key Specifications
| Multi-Currency | Yes (160+) |
| Users Included | Unlimited |
| Best For Region | Global |
Xero Pricing
- Starter: $15/mo
- Standard: $42/mo
- Premium: $78/mo
Best For
- Small businesses with multiple team members
- International businesses needing multi-currency
- Businesses with accountant/bookkeeper collaboration
- UK, Australia, and NZ-based companies
Not Ideal For
- US businesses deeply integrated with QuickBooks ecosystem
- Companies needing robust inventory management
- Solo freelancers with minimal accounting needs
- Businesses requiring built-in payroll
Final Verdict
Xero is the best QuickBooks alternative for small businesses, offering unlimited users, a clean interface, and excellent global support. Particularly strong for international businesses and teams that need collaborative accounting.
Frequently Asked Questions
Is Xero better than QuickBooks?
Xero offers unlimited users (QuickBooks charges per user), a cleaner interface, and better international support. QuickBooks has deeper US integrations and more robust inventory/payroll features.
How much does Xero cost?
Starter: $15/month (20 invoices), Standard: $42/month (unlimited invoices), Premium: $78/month (multi-currency + projects). All plans include unlimited users.
Does Xero do payroll?
Xero offers payroll in some regions (US via Gusto integration, UK and AU natively). In other regions, you can connect third-party payroll apps from the marketplace.