Xero
by Xero Limited
#2 in Small-business booksBest for teams
My pick if you have a team or an accountant. Every plan has unlimited users, and JAX, its AI finance partner, helps automate bookkeeping.
Not financial advice. Check fees and terms on the company’s site.
What’s good
- No per-user fees; unlimited users
- JAX AI assistant for automation
- Free expert setup help included
Heads-up
- Early plan caps invoices and bills
- Pricier than Zoho Books or Wave
The details
- Best for
- Growing businesses wanting unlimited users and bank reconciliation
- Price
- From $27/mo (Early plan, billed monthly)
- Free plan
- No
- Skill level
- Any level
- Made by
- Xero Limited
- Website
- xero.com
- Price checked
- Sep 30, 2026
Where it ranks
- #2Small-business booksBest for teams
Compare with similar picks
| Rank in Small-business books | #1 | #2 | #3 | #4 |
|---|---|---|---|---|
| Price | From $38/mo | From $27/mo | From $23/mo | From $20/mo |
| Free plan | No | No | No | Free while revenue stays under $50K |
| Best for | Small businesses that need deep reporting and accountant-friendly books | Growing businesses wanting unlimited users and bank reconciliation | Freelancers and service businesses that send lots of invoices | Cost-conscious small businesses wanting a full-featured accounting suite |
| Skill level | Any level | Any level | Beginner-friendly | Any level |
| Start free trial | Try it | Start free trial | Try it free |
Also in Small-business books
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