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.
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.
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. Prices are what each vendor publishes, dated when we checked.
FreshBooks
QuickBooks Online
Wave
FieldEdge
FieldPulse
GorillaDesk
Housecall Pro
JobberHow 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, never on what a tool pays us. See how we review.