STOA's verdictRating 6.6 out of 10
Xero is a great fit for small business owners who want solid accounting software without hiring a full-time bookkeeper.
It connects your bank accounts, tracks expenses, and handles invoicing all in one place — but the entry-level plan at $15/month limits you to just 20 invoices and 5 bills per month, which can feel tight fast. If you need room to grow, you'll likely end up on a pricier plan sooner than expected.
Six factors, weightedHow we rate
- SMB Fit 25%7.0 out of 10
The Established plan covers multi-currency, project tracking and expense claims for $90 a month, and the entry Early plan starts at $25 a month, both sized for a small team.
