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Xero Review - Accounting And Payroll Software

Top10.com Staff

In a Nutshell

Xero provides transparent, reliable accounting and payroll software, and strives to create an efficient, simple experience for all users—including finance professionals and business owners alike.


  • Plans scale with your business
  • Intuitive mobile app for any device


  • Limited amount of customizable reports
  • Payroll service lacks features

Xero at a Glance

Editorial Score

Automatic Tax Filing

This category measures the overall quality of the product

HR Features

This category measures the overall quality of the product

Employee Experience

This category measures the overall quality of the product

Customer Service

This category measures the overall quality of the product


This category measures the overall quality of the product

Xero Xero Visit Site


Xero is all about ease and efficiency, so it's no surprise to see that it offers a number of innovative and time-saving solutions. From Smart Lists that create targeted customer lists and accounting information, to paying bills in bulk, Xero has streamlined just about everything it offers. It makes it easy to pay employees, track time off and accept or reject time-off requests. You’ll never again have to make manual tax calculations, and tax filings and payments are made easy. Some of the other important features include:

  • Flexible pay calendars
  • Multiple pay rates
  • Built-in timesheets
  • Detailed payroll reports
Zero payroll software


Monthly price

*Prices last updated August 2023

Xero offers three pricing plans tailored to different stages of business growth. The "Early" plan, priced at $13, provides the ability to send quotes and 20 invoices, enter 5 bills, reconcile bank transactions, and utilize Hubdoc to capture bills and receipts. It focuses on managing short-term cash flow and basic business tasks.

For businesses that are in a growth phase, the "Growing" plan, priced at $37, offers features like sending invoices and quotes, entering bills, reconciling bank transactions, capturing bills and receipts with Hubdoc, and bulk reconciling transactions. This plan also includes a snapshot of short-term cash flow and business performance, catering to businesses looking for more comprehensive financial management.

The top-tier plan, "Established," comes at $70 and is designed for established businesses. It encompasses all "Growing" plan features, such as sending invoices, entering bills, reconciling bank transactions, using Hubdoc, and bulk reconciling transactions. Additionally, it offers the ability to work with multiple currencies, track projects, claim expenses, and delve into in-depth analytics, providing a holistic solution for businesses seeking advanced financial and operational insights.

How To Get Started

Whether you are a finance professional or the owner of a business, signing up to Xero is simple—choose the plan best suited to you, fill in your name and email address and you're in. Once you have access to your account you will be guided through the process of setting up your business or clients.

How it Saves You Money

Free round-the-clock online support is standard for all Xero customers, ensuring that you never have to pay extra to get the best service available. And with unlimited users across all pricing plans, you won't find yourself pushed into additional charges as your business grows. You can easily connect to bank accounts to avoid unnecessary fees, and there are free integrations with over 700 apps for Android and iOS. 

Xero Xero Visit Site

How it Saves You Hassle

Xero's mobile app runs just as smoothly as its website, while giving you access to your data wherever and whenever you need it. Combined with the hundreds of 3rd-party apps you can easily connect to, it's never been easier to keep on top of your accounts.

About Xero

Providing to over 700,000 customers in 180+ countries, it's clear that Xero has raced ahead of the pack to establish itself as a global leader in the accounting sector. From its roots in 2006 New Zealand, the company has steadily built an empire of trust and reliability—gaining the attention of Forbes, Accounting Today and Macworld. It has been the recipient of awards from CPA Practice Advisor, The Sleeter Group, Fast Company and K2 Enterprises, amongst many others.

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