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Reviewed in depth

Xero

Accounting

Online accounting software for invoices, bills, bank reconciliation and reporting.

Best for
Small businesses wanting straightforward cloud bookkeeping.
Key features
  • Invoicing — Professional invoicing
  • Bank reconciliation
  • Bill payments
  • Reporting
Considerations
  • Plans and features differ by country
Pricing model
Monthly subscription tiers · Provider pricing
Free plan
Not verified — check provider

Checked against the provider’s site on 11 October 2026. Plans, features and availability can change, so confirm with the provider.

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Pricing & compatibility

Desk research — not hands-on tested
  • Ignite: £18.00/month, billed monthly
  • Grow: £39.00/month, billed monthly
  • Comprehensive: £55.00/month, billed monthly
  • Ultimate: £70.00/month, billed monthly

excl. VAT/tax · Free plan: no · Source, checked 2026-10-11

Prices shown excluding VAT (VAT-registered view).

Integrations we could verify

None verified from official pages yet. That doesn’t mean they don’t exist — ask in your demo.

Things to note

  • Plans are a flat monthly fee rather than per user.
  • An introductory discount was shown; estimates use the standard price.

Ask in the demo

  • Is it recognised for Making Tax Digital for VAT?
  • How many users and bank feeds are included?
  • What does payroll cost per employee?
  • Can our accountant access it at no extra cost?
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