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Accounting & bookkeepingInvoicing & billingPayments

Xero review

Cloud accounting software that handles the books, invoicing, bill payment, and bank reconciliation for a trade business, and connects to field-service tools your bookkeeper or accountant can log into.

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Xero's dashboard puts bank reconciliation, the bills you owe, an account watchlist and cashflow on one screen.
Xero's dashboard puts bank reconciliation, the bills you owe, an account watchlist and cashflow on one screen. Screenshot: Xero
What it costsas of August 2026
Early
$25/mo20 invoices and 5 bills a month
Growing
$55/moUnlimited invoices and bills
Established
$90/moAdds multi-currency, expense claims and projects

Prices are USD, exclude sales tax, and cover unlimited users rather than per seat. Xero has announced a US price increase effective October 1, 2026, raising Early to $27/mo, Growing to $59/mo and Established to $97/mo.

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Read our full Xero review

What Xero does

Pricing & terms
Starts atThe real monthly cost to get in the door, before add-ons.
$25/mo Early (20 invoices, 5 bills); Growing $55, Established $90
How pricing worksFlat tiers, per user, or per job. This decides how fast the bill grows as you add people.
Flat tiers with unlimited users, not per seat; US prices rise Oct 1, 2026
ContractMonth-to-month vs a year-plus commitment you can't easily leave.
Month to month, cancel anytime, no annual commitment
Free trial or planCan you try it with your own jobs before paying?
30-day free trial of the full product, no credit card to start
Fit & support
Ease of useHow hard it is to get a non-technical crew actually using it.
Clean and simple for owners; free Xero Coaches in your first 90 days
SupportWhat owners say about reaching a human when something breaks.
Free unlimited 24/7 online support, but no inbound phone line
What it does
Bank feedsPulls transactions from your bank so the books stay current without typing.
Daily bank feeds on every plan, with suggested matches to reconcile
Expenses & receiptsSnap a receipt from the truck and have it land in the right place.
Receipt capture free on all plans; employee expense claims need Established
Profit & loss reportingSee whether the year is actually making money, by job or overall.
P&L, balance sheet and cash flow on every plan; 90-day forecasting is extra
Tax prep & filingGets you ready for tax time without a shoebox of paper.
Auto sales tax by Avalara on all plans; e-filing is set up through Avalara
Syncs with job softwareTalks to your field-service tool so invoices are not entered twice.
Native sync with Jobber, ServiceM8, Simpro, FieldPulse; no Housecall Pro

Alternatives to Xero

Other tools that do the same job for a trade business.

FreshBooks
Cloud accounting built around invoicing and time tracking, so a trade owner can bill customers, log hours, track expenses, and take card payments from one account.
QuickBooks Online
Cloud accounting that tracks your income and expenses, sends invoices, and takes card and bank payments so your books stay current without a spreadsheet.
Wave
Free and low-cost accounting and invoicing software that lets a trade owner send invoices, track income and expenses, and take card or bank payments without paying much (or anything) for the books.
FieldEdge
Established HVAC and plumbing field-service software with strong QuickBooks integration.
FieldPulse
A growing mid-tier field-service platform pitched as a step up from starter apps without enterprise cost.
GorillaDesk
Field-service software popular with pest-control and lawn-care operators.
Housecall Pro
Field-service management for home-service trades, strong on dispatching, service agreements, and customer marketing.
Jobber
Simple, well-liked field-service software for solo operators and small crews.

How we research this

Pricing comes from Xero's own pricing pages and is dated at the time we checked it. Features are taken from the vendor's documentation, not from a sales call. We are independent and rank on fit alone. See how we review.