Semantic Coherence: Xero – Signal Evidence & AI Readability

[H2] Join over 4.9 million customers using Xero
Awards and recognition for our work
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[H2] Create digital records in seconds
Get your books done faster and more confidently with Xero’s smart document capture. Snap, upload, or email your receipts and invoices, and Xero will read them for you—extracting the data to pre-fill your digital records so you can stay in total control of compliance.
[H3] Multi-channel capture
Simply snap, upload, or email your documents and let Xero handle the rest.
[H3] Smart pre-fill
Our AI reads the source data to automatically populate your records with pinpoint accuracy.
[H3] Ultimate compliance
Data flows straight from the source to your records, keeping you perfectly HMRC-ready.Explore smart document capture
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[H2] Get more done with JAX, your new AI financial superagent
While you are working in Xero, JAX takes care of routine tasks and delivers actionable insights so you can focus on growing your business. With JAX you can:Get answers to your business questions with access to real-time public information.Explore your financial data with instant, easy-to-understand answers.Automate tasks like create and send quotes and invoices with JAX in Xero, WhatsApp, SMS and email.Explore JAX, Xero’s new AI financial superagent
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[H2] Try accounting software for everyday business
Explore Xero accounting software and its tools for small businesses, accountants, and bookkeepers. Explore accounting softwareXero Accounting appJAX ChatPay billsExplore all features
[H2] Impacted by Making Tax Digital?
Xero is here to help. Xero is an HMRC recognised software provider for MTD, trusted by millions. Let’s make MTD hassle free and keep you compliant.
[H3] Get MTD ready. Find out everything you need to know.
See how Xero simplifies MTD
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[H2] See how Xero works for your business
Manage your finances, control cash flow and integrate with apps. See how Xero can help businesses in your industry or of your business type. See all business types
[H3] Non-profits
Run your charitable organisation and access your access your accounts and reports from the office, home or on the go.
[H3] Self-employed
Manage your finances and send invoices easily with accounting software for sole traders and freelancers.
[H3] Construction and trades
Send quotes and invoices, track expenses, and manage jobs from your phone with Xero’s construction accounting software.
[H2] Discover Xero innovations
Discover this year’s updates designed to help you save time, featuring powerful new tools and features you might’ve missed. Explore all the updates
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[H2] Introducing the Xero Affiliate Programme
For publishers, influencers, content creators and other affiliates who recommend Xero to their audiences in exchange for referral fee.Apply now
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[H2] Learn more about Xero
If you're new to Xero, we've got you covered. Explore Xero webinars, feature videos, and how-to guides.Access resources
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[H2] Get paid up to twice as fast†
With online invoice payments through Stripe and GoCardless, you can accept payments by card or direct debit.Get paid faster
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[H2] Plans to suit your business
[H3] Ignite
Usually £16Now £3.20GBP per month excluding VATSave £76.80 over 6 monthsAn easy financial foundation - track cash flow with the essentials.Buy nowLearn more
[H3] Grow
Usually £37Now £7.40GBP per month excluding VATSave £177.60 over 6 monthsGo beyond the basics - automate tasks and access performance dashboards.Buy nowLearn more
[H3] Comprehensive
Usually £50Now £10GBP per month excluding VATSave £240 over 6 monthsOptimise profitability - tailor your insights for greater control.Buy nowLearn more
[H3] Ultimate
Usually £65Now £13GBP per month excluding VATSave £312 over 6 monthsFuture proof your scaling business - with advanced tools and analytics.Buy nowLearn more
[H2] Simple
A new plan, specifically for non VAT businesses, with features designed for sole traders and landlords.Buy nowLearn more
[H3] Simple
Usually £7Now £1.40GBP per month excluding VATSave £33.60 over 6 monthsSend invoices and quotesAccept online invoice payments^MTD for Income Tax readyReconcile bank transactionsSmart document captureView real-time reportsAutomate subcontractor CIS calculations and reportsBuy nowLearn more
[H2] Stories from small business owners
Small businesses, accountants and bookkeepers locally and across the world trust Xero with their numbers.
[H3] Lessons in running a thriving business from Paul Walden Interiors
Even with over 20 years experience, Paul Walden still gets a buzz when he sees the end results of his work.
[H3] Ade from Nubian Skin cares for people, and it shows
We spoke to Ade, the passionate visionary behind Nubian Skin – an international fashion brand with a unique purpose.
[H3] Dan from The Old Hall Inn mixes tradition with innovation
When Dan Capper took over his sleepy family pub, it turned into a fast growing business with innovation at its heart.
[H2] Start using Xero for free
Access Xero features for 30 days, then decide which plan best suits your business.Try Xero for freeSee all features†Xero customers who use online invoice payments get paid up to twice as fast than those who don’t use online invoice payments.

Get 80% off your plan for your first 6 months*
[H2] Ignite
Usually £16Now £3.20GBP per month excluding VATSave £76.80 over 6 monthsAn easy financial foundation - track cash flow with the essentials.
[H3] Features
Send quotes and up to 20 invoices†Accept online invoice payments^MTD for Income Tax readyReconcile bank transactionsSmart document captureEnter up to 10 billsSubmit VAT returns to HMRCAutomate subcontractor CIS calculations and reports30 day cash flow forecastBasic financial performance visualisation
[H3] Optional add-ons
Make online bill and payroll payments (domestic) (£0.20 per payment††)Payroll (£1.50 per person)Submit contractor CIS returns (£5 per month)Send quotes and up to 20 invoices†Accept online invoice payments^MTD for Income Tax readyReconcile bank transactionsSmart document captureEnter up to 10 billsSubmit VAT returns to HMRCAutomate subcontractor CIS calculations and reports30 day cash flow forecastBasic financial performance visualisation
[H3] Optional add-ons
Make online bill and payroll payments (domestic) (£0.20 per payment††)Payroll (£1.50 per person)Submit contractor CIS returns (£5 per month)Get one month freeBuy nowLearn more
[H2] Grow
Usually £37Now £7.40GBP per month excluding VATSave £177.60 over 6 monthsGo beyond the basics - automate tasks and access performance dashboards.
[H3] Features
Sends quotes and invoicesAccept online invoice payments^MTD for Income Tax readyAuto-reconcile bank transactions (Beta)Smart document captureView real-time reportsEnter billsSubmit VAT returns to HMRCAutomate subcontractor CIS calculations and reportsMake online bill and payroll payments (domestic) for up to 5 (£0.20 per additional payment††)Payroll for 1 person (£1.50 per additional person)60 day cash flow forecastVisualise performance with graphsCustomise perfomance dashboardsClaim expenses and mileage for 1 user (£2.50 per additional user)
[H3] Optional add-ons
Submit contractor CIS returns (£5 per month)Sends quotes and invoicesAccept online invoice payments^MTD for Income Tax readyAuto-reconcile bank transactions (Beta)Smart document captureView real-time reportsEnter billsSubmit VAT returns to HMRCAutomate subcontractor CIS calculations and reportsMake online bill and payroll payments (domestic) for up to 5 (£0.20 per additional payment††)Payroll for 1 person (£1.50 per additional person)60 day cash flow forecastVisualise performance with graphsCustomise perfomance dashboardsClaim expenses and mileage for 1 user (£2.50 per additional user)
[H3] Optional add-ons
Submit contractor CIS returns (£5 per month)Get one month freeBuy nowLearn more
[H2] Comprehensive
Usually £50Now £10GBP per month excluding VATSave £240 over 6 monthsOptimise profitability - tailor your insights for greater control.
[H3] Features
Sends quotes and invoicesAccept online invoice payments^Auto-reconcile bank transactions (Beta)Smart document captureEnter billsSubmit VAT returns to HMRCAutomate subcontractor CIS calculations and reportsMake online bill and payroll payments (domestic) for up to 10 (£0.20 per additional payment††)Payroll for 5 people (£1.50 per additional person)90 day cash flow forecastVisualise performance with graphsCustomise perfomance dashboardsClaim expenses and mileage for 5 users (£2.50 per additional user)Use multiple currenciesTailored financial health scorecards
[H3] Optional add-ons
Make online bill payments (international) (Payment fees apply††)Submit contractor CIS returns (£5 per month)Sends quotes and invoicesAccept online invoice payments^Auto-reconcile bank transactions (Beta)Smart document captureEnter billsSubmit VAT returns to HMRCAutomate subcontractor CIS calculations and reportsMake online bill and payroll payments (domestic) for up to 10 (£0.20 per additional payment††)Payroll for 5 people (£1.50 per additional person)90 day cash flow forecastVisualise performance with graphsCustomise perfomance dashboardsClaim expenses and mileage for 5 users (£2.50 per additional user)Use multiple currenciesTailored financial health scorecards
[H3] Optional add-ons
Make online bill payments (international) (Payment fees apply††)Submit contractor CIS returns (£5 per month)Get one month freeBuy nowLearn more
[H2] Ultimate
Usually £65Now £13GBP per month excluding VATSave £312 over 6 monthsFuture proof your scaling business - with advanced tools and analytics.
[H3] Features
Sends quotes and invoicesAccept online invoice payments^Auto-reconcile bank transactions (Beta)Smart document captureEnter billsSubmit VAT returns to HMRCAutomate subcontractor CIS calculations and reportsMake online bill and payroll payments (domestic) for up to 15 (£0.20 per additional payment††)Payroll for 10 people (£1 per additional person)180 day cash flow forecastVisualise performance with graphsCustomise perfomance dashboardsClaim expenses and mileage for 10 users (£2.50 per additional user)Use multiple currenciesTailored financial health scorecardsAnalyse KPIs and ratiosTrack projects for 10 users (£5 per each additional user)Benchmark against the industry
[H3] Optional add-ons
Make online bill payments (international) (Payment fees apply††)Submit contractor CIS returns (£5 per month)Sends quotes and invoicesAccept online invoice payments^Auto-reconcile bank transactions (Beta)Smart document captureEnter billsSubmit VAT returns to HMRCAutomate subcontractor CIS calculations and reportsMake online bill and payroll payments (domestic) for up to 15 (£0.20 per additional payment††)Payroll for 10 people (£1 per additional person)180 day cash flow forecastVisualise performance with graphsCustomise perfomance dashboardsClaim expenses and mileage for 10 users (£2.50 per additional user)Use multiple currenciesTailored financial health scorecardsAnalyse KPIs and ratiosTrack projects for 10 users (£5 per each additional user)Benchmark against the industry
[H3] Optional add-ons
Make online bill payments (international) (Payment fees apply††)Submit contractor CIS returns (£5 per month)Get one month freeBuy nowLearn moreGet 80% off your plan for your first 6 months* Buy nowGet one month freeForecast with clarityForecast with clarityIgniteUsually £16Now £3.20GBP per month excluding VATSave £76.80 over 6 monthsAn easy financial foundation - track cash flow with the essentials.Buy nowLearn moreGrowUsually £37Now £7.40GBP per month excluding VATSave £177.60 over 6 monthsGo beyond the basics - automate tasks and access performance dashboards.Buy nowLearn moreComprehensiveUsually £50Now £10GBP per month excluding VATSave £240 over 6 monthsOptimise profitability - tailor your insights for greater control.Buy nowLearn moreUltimateUsually £65Now £13GBP per month excluding VATSave £312 over 6 monthsFuture proof your scaling business - with advanced tools and analytics.Buy nowLearn moreSend invoices and quotesSend quotes and 20 invoices†Accept online invoice payments^MTD for Income Tax readyReconcile bank transactionsAuto-reconcileBetaAuto-reconcileBetaAuto-reconcileBetaSmart document captureView real-time reportsEnter billsEnter 10 billsSubmit VAT returns to HMRCAutomate subcontractor CIS calculations and reportsMake online bill and payroll payments (domestic)Optional£0.20 per additional payment††Up to 5£0.20 per additional payment††Up to 10£0.20 per additional payment††Up to 15£0.20 per additional payment††PayrollOptional£1.50 per additional personFor 1 person£1.50 per additional personFor 5 people£1.50 per additional personFor 10 people£1 per additional personForecast cash flow30 day forecast60 day forecast90 day forecast180 day forecastVisualise performance with graphsBasicCustomise performance dashboardsClaim expenses and mileageFor 1 user£2.50 per additional userFor 5 users£2.50 per additional userFor 10 users£2.50 per additional userUse multiple currenciesTailored financial health scorecardsMake online bill payments (International)OptionalPayment fees apply††OptionalPayment fees apply††Track projectsFor 10 users£5 per each additional userAnalyse KPIs and ratiosNewBenchmark against the industrySubmit contractor CIS returnsOptional£5 per monthOptional£5 per monthOptional£5 per monthOptional£5 per month
[H2] Simple
A new plan, specifically for non VAT businesses, with features designed for sole traders and landlords.Learn more
[H3] Simple
Usually £7Now £1.40GBP per month excluding VATSave £33.60 over 6 monthsSend invoices and quotesAccept online invoice payments^MTD for Income Tax readyReconcile bank transactionsSmart document captureView real-time reportsAutomate subcontractor CIS calculations and reportsGet one month freeBuy nowLearn more
[H2] Pricing plan details and offer terms
All prices are in GBP per month and exclude VAT. Xero reserves the right to change pricing at any time. Xero subscriptions auto-renew monthly until they are cancelled.If you later decide to change to a less expensive plan you can do so 1 month after upgrading. If you select a plan which includes Payroll, Expenses, Bill Payments or Projects, additional charges may apply if you go over the stated included number of users (Expenses and Projects), people paid (Payroll) or bills paid (Bill Payments). Your invited users who have access to those features may trigger additional charges on your subscription if the included usage/number of users/people/bills paid are exceeded.*This offer of 80% off Xero’s then-current regular price for the first 6 months is only available to new customers in the United Kingdom purchasing their first organisation on xero.com. Offer available using code DC8062614UK at checkout. Discount applies to base Simple, Ignite, Grow, Comprehensive or Ultimate plan subscriptions and does not apply to any additional charges for add‑ons, usage and payment fees, unless otherwise specified. After the first 6 months, Xero’s then-current regular price will apply and auto-renew monthly until cancelled. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.^Payment fees apply to the use of online invoice payments. See here for more information**Median payment times of invoices with a payment service included and sent via SMS by customers using Xero in UK from 9/1/2024 to 3/31/2025 (compared to invoices sent by email and without payment service included).†† Payment fees may apply to the use of online bill and payroll payments. Any payment fees are in addition to your Xero monthly base subscription amount, are not eligible for subscription discounts and offers, and are subject to change. See here for more information.†† A limited number of GBP bill and payroll payments are included in Xero Grow, Comprehensive and Ultimate plans per month (+£0.20 per additional payment by bank transfer. International payments and payments by card are priced separately). Pricing is in GBP and excludes VAT.Hubdoc is included in Xero Simple, Ignite, Grow, Comprehensive and Ultimate plans as long as it’s connected to your Xero subscription.Your use of the Xero services is subject to the Xero Terms of Use and Privacy Notice and your use of the Hubdoc services is subject to the Hubdoc Terms of Use.Limits for Xero Projects and Xero Expenses are per active user, per month.See our terms of use for detailsHubdoc terms of useAll prices are in GBP per month and exclude VAT. Xero reserves the right to change pricing at any time. Xero subscriptions auto-renew monthly until they are cancelled.If you later decide to change to a less expensive plan you can do so 1 month after upgrading. If you select a plan which includes Payroll, Expenses, Bill Payments or Projects, additional charges may apply if you go over the stated included number of users (Expenses and Projects), people paid (Payroll) or bills paid (Bill Payments). Your invited users who have access to those features may trigger additional charges on your subscription if the included usage/number of users/people/bills paid are exceeded.*This offer of 80% off Xero’s then-current regular price for the first 6 months is only available to new customers in the United Kingdom purchasing their first organisation on xero.com. Offer available using code DC8062614UK at checkout. Discount applies to base Simple, Ignite, Grow, Comprehensive or Ultimate plan subscriptions and does not apply to any additional charges for add‑ons, usage and payment fees, unless otherwise specified. After the first 6 months, Xero’s then-current regular price will apply and auto-renew monthly until cancelled. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.^Payment fees apply to the use of online invoice payments. See here for more information**Median payment times of invoices with a payment service included and sent via SMS by customers using Xero in UK from 9/1/2024 to 3/31/2025 (compared to invoices sent by email and without payment service included).†† Payment fees may apply to the use of online bill and payroll payments. Any payment fees are in addition to your Xero monthly base subscription amount, are not eligible for subscription discounts and offers, and are subject to change. See here for more information.†† A limited number of GBP bill and payroll payments are included in Xero Grow, Comprehensive and Ultimate plans per month (+£0.20 per additional payment by bank transfer. International payments and payments by card are priced separately). Pricing is in GBP and excludes VAT.Hubdoc is included in Xero Simple, Ignite, Grow, Comprehensive and Ultimate plans as long as it’s connected to your Xero subscription.Your use of the Xero services is subject to the Xero Terms of Use and Privacy Notice and your use of the Hubdoc services is subject to the Hubdoc Terms of Use.Limits for Xero Projects and Xero Expenses are per active user, per month.See our terms of use for detailsHubdoc terms of use
[H2] Frequently asked questions
Are bank feeds included in the subscription fee?For most customers, Xero's direct bank feeds are available at no additional cost. Some UK banks charge fees for bank feeds that we will pass on to you. Find out about UK bank feed chargesFor most customers, Xero's direct bank feeds are available at no additional cost. Some UK banks charge fees for bank feeds that we will pass on to you. Find out about UK bank feed chargesCan I pay the subscription annually?You'll receive your invoice at the end of your monthly billing period. Payment will be taken on the date shown on your invoice using the payment details entered when you purchased your subscription. If you’ve incurred usage charges for payroll, projects or expenses, or you have a chargeable direct bank feed, these charges will be invoiced for the previous month.You'll receive your invoice at the end of your monthly billing period. Payment will be taken on the date shown on your invoice using the payment details entered when you purchased your subscription. If you’ve incurred usage charges for payroll, projects or expenses, or you have a chargeable direct bank feed, the

[H2] All features
From streamlined bank connections to intuitive online invoicing, Xero's features empower you to prioritize business growth.
[H3] Jax
Make smarter decisions and supercharge your admin with JAX (in beta).
[H3] Accept payments
Accept payments via credit card, debit card, or direct debit. Boost on-time payments and save time chasing payments.
[H3] Online invoicing
Efficiently manage invoices with Xero's intuitive software. Send invoices, automate reminders, and more from any device.
[H3] Bank connections
Access bank data from 21,000+ global institutions in Xero. Save time with bank feeds and reconciliation automation.
[H3] Claim expenses
Manage spending and submit or reimburse expense claims with Xero’s expense management tools.
[H3] Integrate apps
Choose apps, integrations, and financial services offerings that connect to Xero to run your business better.
[H3] Bank reconciliation
Keep your finances current with Xero's bank reconciliation software, ensuring accurate records of your transactions.
[H3] Pay bills
Track and pay bills on time. And get a clear overview of accounts payable and cash flow.
[H3] Track projects
Use Xero’s job tracking tools for project planning, budgeting, quoting and invoicing. Record time and track costs.
[H3] Payroll
Keep basic pay records online, complete pay runs for a small number of employees using Xero, and run payroll reports.
[H3] Purchase orders
Create and send digital purchase orders with Xero's software, tracking orders and deliveries seamlessly in the cloud.
[H3] Reporting
Track your finances with accurate accounting reports. And collaborate with your advisor online in real time.
[H3] Quotes
Create professional online quotes and send them instantly using Xero desktop software or the app.
[H3] Inventory
Track stock levels with Xero's inventory software. Populate invoices and orders with bought and sold items.
[H3] Multi-currency accounting
Seamlessly manage multiple currencies with Xero's versatile accounting software for global business operations.
[H3] Manage Xero contacts
Use Xero for contact management. See details of a customer’s or supplier’s sales, invoices and payments in one place.
[H3] VAT returns
Xero calculates VAT and files VAT returns online securely with HMRC using software that’s compatible with HMRC systems.
[H3] Online file storage
Use Xero for online file storage. Manage and share documents, contracts, bills and receipts safely from anywhere.
[H3] Analytics
See future cash flow, check financial health and track metrics.
[H3] Accounting dashboard
Keep an eye on your finances day by day using the accounting dashboard. Track bank balances, invoices, bills and more.
[H3] Manage fixed assets
Xero makes it easy to track fixed assets and work with your accountant to manage them, keeping your books up to date.
[H3] Xero Accounting app
Manage your business on the go with the Xero app for bookkeeping and accounting, staying productive in spare moments.
[H2] Integrate apps with Xero
Discover seamless app integrations for efficient accounting with Xero's comprehensive accounting software.Extend and customize XeroStreamline and connect your dataFind the right apps for the jobGet what you need in the Xero App StoreLearn more about the Xero App Store
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[H2] As non-accounting experts, we find Xero to be perfect for invoicing, tracking inventory and keeping tabs on our expenses.
Nicole and Anne from Olive and Poppy have used Xero since day one
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[H2] Start using Xero for free
Access Xero features for 30 days, then decide which plan best suits your business.Try Xero for freeSee all features
[IMG: Read Xero reviews on G2]

[H2] Save yourself hours with Xero accounting software
Xero’s cloud accounting software has features and tools to help you run your small business, so you can spend more time doing what you love.
[H2] Paperless record-keeping, all in one
Centralise your finances with secure cloud-accounting software.
[H2] Features that automate your admin
Speed up your processes, from reconciling bank transactions to sending invoice reminders.
[H2] Smart data and insights
Make confident business decisions with sophisticated trend analysis and clear, customisable reporting.
[H2] 90% of customers agree Xero helps them stay compliant
*Source: survey conducted by Xero of 858 small businesses in the UK using Xero, May 2024
[H2] All your small business accounting in one place
Xero is powerful online accounting software for UK small businesses. Manage your cash flow, track expenses, accept payments online, and much more – all without leaving Xero. Automate tasks like invoicing and reportingGet up-to-date financial data for a full picture of your businessMake your tax returns easySee all Xero features
[IMG: A man using bookkeeping software for small businesses on his laptop.]
[H2] Accounting software that connects to your bank
Xero’s bank feed securely imports your transactions into the Xero accounting software each business day.Bank transactions automatically flow into XeroReconcile your bank transactions dailySee an up-to-date picture of your cash flowMore about connecting to your bank
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[H2] Collaborate online in real time
Use Xero accounting software to hop online with your employees, bookkeeper, or accountant – even if you’re on opposite sides of the world.Access the same up-to-date financial information at the same timeDiscuss business and financial data in real timeAllow employees to submit expenses, manage leave, and send invoicesMore about online accounting
[IMG: A small business owner on her tablet and her accountant on a phone share financial data in Xero accounting software.]
[H2] Customisable accounting software to suit your needs
Xero small business accounting software grows with you. Choose a plan with the tools you need, like Xero Payroll, Xero Expenses, Xero Projects, and Analytics PlusConnect to third-party apps like Stripe and VendVisit the Xero App Store to easily find, try, and buy apps that connect with XeroMore about integrating apps with Xero
[H2] The Xero Accounting app: for businesses on the move
Financial admin needn’t pile up while you’re away from your desk. Take care of jobs with the Xero Accounting app and stay productive – from effortlessly tracking your mileage and expenses, to checking outstanding invoices. Wherever you go, the mobile app keeps your small business growing. Get more done with the Xero Accounting app
[IMG: The Xero Accounting app on a phone showing expense data captured from paper receipts, clearly listed and tracked.]
[H2] Plans to suit your business
[H3] Ignite
Usually £16Now £3.20GBP per month excluding VATSave £76.80 over 6 monthsAn easy financial foundation - track cash flow with the essentials.Buy nowLearn more
[H3] Grow
Usually £37Now £7.40GBP per month excluding VATSave £177.60 over 6 monthsGo beyond the basics - automate tasks and access performance dashboards.Buy nowLearn more
[H3] Comprehensive
Usually £50Now £10GBP per month excluding VATSave £240 over 6 monthsOptimise profitability - tailor your insights for greater control.Buy nowLearn more
[H3] Ultimate
Usually £65Now £13GBP per month excluding VATSave £312 over 6 monthsFuture proof your scaling business - with advanced tools and analytics.Buy nowLearn more
[H2] Simple
A new plan, specifically for non VAT businesses, with features designed for sole traders and landlords.Buy nowLearn more
[H3] Simple
Usually £7Now £1.40GBP per month excluding VATSave £33.60 over 6 monthsSend invoices and quotesAccept online invoice payments^MTD for Income Tax readyReconcile bank transactionsSmart document captureView real-time reportsAutomate subcontractor CIS calculations and reportsBuy nowLearn more
[H2] Life before Xero was a nightmare. Using a spreadsheet took a ridiculous amount of time.
Ryan is no longer dogged by paperwork.
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[H2] How Xero’s accounting software works for you
Running a business can feel like you against your paperwork. Go digital with Xero – automating manual tasks and streamlining your financial admin – and win the battle!
[H3] Handle admin away from your desk
Log in anytime, from anywhere, to send invoices, pay bills, and manage your cash flow.
[H3] Simplify tax time
Filing returns needn’t be stressful. Get them done faster and comply with government regulations more easily.
[H3] Get customer support
Get help with your financial admin from experts whenever you need it.Explore more of Xero’s features
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[H2] Frequently asked questions
Is Xero accounting software easy to use?It’s easy to use Xero’s basic features. The software is intuitive, so people with no accounting or finance background can learn the basics quickly. It’s easy to connect your bank so your transactions flow into Xero, and to create professional invoices from scratch. Xero has all sorts of resources on business and finance topics to help, all written in plain English for when you want clear, simple answers. If you’re still unsure, Xero users can contact our support team 24/7 for help.It’s easy to use Xero’s basic features. The software is intuitive, so people with no accounting or finance background can learn the basics quickly. It’s easy to connect your bank so your transactions flow into Xero, and to create professional invoices from scratch. Xero has all sorts of resources on business and finance topics to help, all written in plain English for when you want clear, simple answers. If you’re still unsure, Xero users can contact our support team 24/7 for help.How do I set up an accounting system for a small business?There are three basic steps to setting up an accounting system. The aim is to keep everything simple and accurate. First, open a dedicated business account for all your incoming and outgoing payments. Second, decide which accounting method (cash or accrual) suits your business. Third, choose accounting software, such as Xero, that has the features you need, like the ability to use eInvoicing and send foreign currency payments.There are three basic steps to setting up an accounting system. The aim is to keep everything simple and accurate. First, open a dedicated business account for all your incoming and outgoing payments. Second, decide which accounting method (cash or accrual) suits your business. Third, choose accounting software, such as Xero, that has the features you need, like the ability to use eInvoicing and send foreign currency payments.Can I use Excel for bookkeeping?Technically, yes. But it can be a time-consuming process to work across different data sources and tools. Accounting software like Xero does this work for you. Xero keeps all information in one secure place, and makes automatic calculations to keep your records accurate and up to date. Because Xero is based in the cloud, you can log in at any time, from anywhere, and give your accountant and bookkeeper access so you can easily work with them on your finances.Technically, yes. But it can be a time-consuming process to work across different data sources and tools. Accounting software like Xero does this work for you. Xero keeps all information in one secure place, and makes automatic calculations to keep your records accurate and up to date. Because Xero is based in the cloud, you can log in at any time, from anywhere, and give your accountant and bookkeeper access so you can easily work with them on your finances.Can I use Xero instead of an accountant?No – if you needed an accountant initially you’ll still need one. Xero accounting software helps you do your financial admin, such as bank reconciliations and managing cash flow, but it won’t replace your accountant’s advice on your specific business needs and strategy. Instead, Xero and your accountant complement one another. While Xero handles everyday financial tasks, your accountant works ‘big picture’ services and advice on your numbers, processes, and compliance.Check out Xero’s directory of accountants and bookkeepersNo – if you needed an accountant initially you’ll still need one. Xero accounting software helps you do your financial admin, such as bank reconciliations and managing cash flow, but it won’t replace your accountant’s advice on your specific business needs and strategy. Instead, Xero and your accountant complement one another. While Xero handles everyday financial tasks, your accountant works ‘big picture’ services and advice on your numbers, processes, and compliance.Check out Xero’s directory of accountants and bookkeepersWhy should I use cloud accounting software?With your accounting software and data stored in the cloud, you can access your up-to-date accounts anywhere there’s an internet connection. You can receive automated bank feeds into your accounting software and connect to other business apps for greater efficiency. You can also collaborate with other people, like accountants and bookkeepers, by giving them access to view and share your figures. Xero regularly backs up your data and protects it with multiple layers of security.See why online accounting is good for your businessWith your accounting software and data stored in the cloud, you can access your up-to-date accounts anywhere there’s an internet connection. You can receive automated bank feeds into your accounting software and connect to other business apps for greater efficiency. You can also collaborate with other people, like accountants and bookkeepers, by giving them access to view and share your figures. Xero regularly backs up your data and protects it with multiple layers of security.See why online accounting is good for your businessHow can I move to Xero from other accounting software?Once you’re set up in Xero you can import all your data from your previous accounting software, including the chart of accounts, invoices, bills, contacts, and fixed assets. We recommend you work with an accountant or bookkeeper, preferably one with Xero experience, when you move to Xero online accounting software in the UK.See how to convert to Xero from other accounting softwareOnce you’re set up in Xero you can import all your data from your previous accounting software, including the chart of accounts, invoices, bills, contacts, and fixed assets. We recommend you work with an accountant or bookkeeper, preferably one with Xero experience, when you move to Xero online accounting software in the UK.See how to convert to Xero from other accounting softwareDo I need the Xero mobile app?No, but it’s very useful. The mobile app works with Xero accounting software to help you run your small business from anywhere. Keep track of your unpaid and overdue invoices, bank account balances, profit and loss, cash flow, and bills to pay. You can also reconcile bank accounts and convert quotes to invoices. The mobile app is free with every subscription, and is compatible with iOS and Android.See how to stay connected to your business on the goNo, but it’s very useful. The mobile app works with Xero accounting software to help you run your small business from anywhere. Keep track of your unpaid and overdue invoices, bank account balances, profit and loss, cash flow, and bills to pay. You can also reconcile bank accounts and convert quotes to invoices. The mobile app is free with every subscription, and is compatible with iOS and Android.See how to stay connected to your business on the goWhich apps can I connect to Xero accounting software?Check out the Xero App Store to find, demo, and buy business apps that connect to Xero. Apps like Stripe, GoCardless, Vend, and Shopify connect seamlessly and sync your data with Xero to make it easier to run your business.Check out the Xero App StoreCheck out the Xero App Store to find, demo, and buy business apps that connect to Xero. Apps like Stripe, GoCardless, Vend, and Shopify connect seamlessly and sync your data with Xero to make it easier to run your business.Check out the Xero App Store
[H2] Why small businesses prefer Xero
Across the world, people use Xero to manage their finances and control their cash flow, no matter their industry. Our accounting software is designed for small businesses and gives you flexibility, control, and visibility of your finances. Xero is used by:Tech startupsRetailers LandlordsNon-profitsFootball clubsSee how Xero works for small businesses in all industries
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[H2] More help with accounting software
Here’s some more guidance on accounting software tools and how they could suit your small business.
[H2] Why cloud accounting is good for business
Get your head around the benefits of accounting in the cloud. How cloud accounting could help your business
[H2] Does your business need an accounting app?
Figure out if a mobile accounting app could help your small business. Decide if mobile accounting apps are right for you
[H2] Margin calculator
Calculate your gross profit margin with this simple calculator to check you’re hitting your targets. Get our free margin calculator
[H2] FAQs about Xero in the UK
Can Xero support my returns to HMRC?Yes, you can connect your Xero account with HMRC to more easily prepare and submit your returns so you never miss a deadline. HMRC recognises Xero’s software, which is also compliant with Making Tax Digital (MTD).Find out more on running a business at GOV.UKYes, you can connect your Xero account with HMRC to more easily prepare and submit your returns so you never miss a deadline. HMRC recognises Xero’s software, which is also compliant with Making Tax Digital (MTD).Find out more on running a business at GOV.UKWhat reporting does Xero Payroll offer?Xero payroll offers a range of reports for internal use and helps you meet HMRC requirements each month. You can give your employees self-service access so they can view payslips, request leave, and submit timesheets directly from Xero. See HMRC rules for running payrollXero payroll offers a range of reports for internal use and helps you meet HMRC requirements each month. You can give your employees self-service access so they can view payslips, request leave, and submit timesheets directly from Xero. See HMRC rules for running payrollWhat is the best accounting software for small businesses?The best accounting software depends on your needs. Xero’s accounting software has flexible plans so you can adjust your subscriptions to access the features you need as your business grows. Check out Xero’s pricing plansThe best

[H2] Join over 4.9 million customers using Xero
Awards and recognition for our work
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[H2] Create digital records in seconds
Get your books done faster and more confidently with Xero’s smart document capture. Snap, upload, or email your receipts and invoices, and Xero will read them for you—extracting the data to pre-fill your digital records so you can stay in total control of compliance.
[H3] Multi-channel capture
Simply snap, upload, or email your documents and let Xero handle the rest.
[H3] Smart pre-fill
Our AI reads the source data to automatically populate your records with pinpoint accuracy.
[H3] Ultimate compliance
Data flows straight from the source to your records, keeping you perfectly HMRC-ready.Explore smart document capture
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[H2] Get more done with JAX, your new AI financial superagent
While you are working in Xero, JAX takes care of routine tasks and delivers actionable insights so you can focus on growing your business. With JAX you can:Get answers to your business questions with access to real-time public information.Explore your financial data with instant, easy-to-understand answers.Automate tasks like create and send quotes and invoices with JAX in Xero, WhatsApp, SMS and email.Explore JAX, Xero’s new AI financial superagent
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[H2] Try accounting software for everyday business
Explore Xero accounting software and its tools for small businesses, accountants, and bookkeepers. Explore accounting softwareXero Accounting appJAX ChatPay billsExplore all features
[H2] Impacted by Making Tax Digital?
Xero is here to help. Xero is an HMRC recognised software provider for MTD, trusted by millions. Let’s make MTD hassle free and keep you compliant.
[H3] Get MTD ready. Find out everything you need to know.
See how Xero simplifies MTD
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[H2] See how Xero works for your business
Manage your finances, control cash flow and integrate with apps. See how Xero can help businesses in your industry or of your business type. See all business types
[H3] Non-profits
Run your charitable organisation and access your access your accounts and reports from the office, home or on the go.
[H3] Self-employed
Manage your finances and send invoices easily with accounting software for sole traders and freelancers.
[H3] Construction and trades
Send quotes and invoices, track expenses, and manage jobs from your phone with Xero’s construction accounting software.
[H2] Discover Xero innovations
Discover this year’s updates designed to help you save time, featuring powerful new tools and features you might’ve missed. Explore all the updates
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[H2] Introducing the Xero Affiliate Programme
For publishers, influencers, content creators and other affiliates who recommend Xero to their audiences in exchange for referral fee.Apply now
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[H2] Learn more about Xero
If you're new to Xero, we've got you covered. Explore Xero webinars, feature videos, and how-to guides.Access resources
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[H2] Get paid up to twice as fast†
With online invoice payments through Stripe and GoCardless, you can accept payments by card or direct debit.Get paid faster
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[H2] Plans to suit your business
[H3] Ignite
Usually £16Now £3.20GBP per month excluding VATSave £76.80 over 6 monthsAn easy financial foundation - track cash flow with the essentials.Buy nowLearn more
[H3] Grow
Usually £37Now £7.40GBP per month excluding VATSave £177.60 over 6 monthsGo beyond the basics - automate tasks and access performance dashboards.Buy nowLearn more
[H3] Comprehensive
Usually £50Now £10GBP per month excluding VATSave £240 over 6 monthsOptimise profitability - tailor your insights for greater control.Buy nowLearn more
[H3] Ultimate
Usually £65Now £13GBP per month excluding VATSave £312 over 6 monthsFuture proof your scaling business - with advanced tools and analytics.Buy nowLearn more
[H2] Simple
A new plan, specifically for non VAT businesses, with features designed for sole traders and landlords.Buy nowLearn more
[H3] Simple
Usually £7Now £1.40GBP per month excluding VATSave £33.60 over 6 monthsSend invoices and quotesAccept online invoice payments^MTD for Income Tax readyReconcile bank transactionsSmart document captureView real-time reportsAutomate subcontractor CIS calculations and reportsBuy nowLearn more
[H2] Stories from small business owners
Small businesses, accountants and bookkeepers locally and across the world trust Xero with their numbers.
[H3] Lessons in running a thriving business from Paul Walden Interiors
Even with over 20 years experience, Paul Walden still gets a buzz when he sees the end results of his work.
[H3] Ade from Nubian Skin cares for people, and it shows
We spoke to Ade, the passionate visionary behind Nubian Skin – an international fashion brand with a unique purpose.
[H3] Dan from The Old Hall Inn mixes tradition with innovation
When Dan Capper took over his sleepy family pub, it turned into a fast growing business with innovation at its heart.
[H2] Start using Xero for free
Access Xero features for 30 days, then decide which plan best suits your business.Try Xero for freeSee all features†Xero customers who use online invoice payments get paid up to twice as fast than those who don’t use online invoice payments.

[H2] What's new
[H3] UK Employment Law 2025: Essential Updates For Businesses
The UK is introducing new employment laws in 2025. Find out what they are, who they affect, and how to prepare.
[H3] National Insurance changes 2025: What employers need to know
Learn what National Insurance changes 2025 mean for your payroll and costs, and how to prepare.
[H3] What is net zero? Guide for UK small businesses
Learn what net zero is for UK small businesses, how it cuts costs, wins customers, and keeps you compliant.
[H3] Spring Budget 2025: Impact on Small Businesses
Key takeaways from the UK Spring Budget 2025 for small businesses – and how to prepare.
[H3] Tax Year 2025/26: Key dates, rates and business changes
Learn the key dates and changes for tax year 2025/26 to stay compliant, save time, and plan ahead.
[H2] Starting and growing a business
Your intro to the milestone moments in small business.
[H3] How to start your own business in the UK
You’ll need to understand your legal and tax requirements, and do some market research. Download our guide to find out how.
[H3] How to start an online business
Find out what it takes to start and run an online business. With insights from experts and owners who’ve done it before.
[H3] Small business grants in the UK: Funding options explained
Need finance for your business? Learn about the types of finance, approaching lenders and investors and more.
[H3] Business development plan: write yours in 8 easy steps
Are you ready to drop the hammer and take your business to the next level? Let’s look at how to grow.
[H3] How to hire employees
Hiring help can improve your business, and your lifestyle. But it’s a big process. Here are the main things to keep in mind.
[H3] How to invoice
Looking for help on making and sending invoices and getting them paid? Check out these tips on the art of invoicing.
[H3] How to do bookkeeping
Bookkeeping includes everything from basic data entry to tax prep. Let’s look at the core jobs and see how they’re done.
[H3] What is bookkeeping?
Whether you’re bookkeeping for a family business, or planning a career in it – this is a good place to start learning.
[H3] Guide to inventory
Inventory management is more than just knowing what’s been sold and what you’ve ordered. Find out what else is involved.
[H3] VAT Guide For Business
Making a start with VAT? Want to know more about how MTD for VAT impacts you? This guide will help you get sorted.
[H2] Payments
Your intro to getting money in from customers, and out to suppliers and employees. See all payments guides
[H3] Profitability ratios: Measure and improve your business profit
Discover how profitability ratios track margins, compare performance, and help you make smarter decisions.
[H3] Direct Debit For Small Business: How It Works & Key Benefits
Learn how direct debit for small business boosts cash flow, cuts admin, and gets you paid on time.
[H2] Money
Your intro to budgeting, cash flow, and what to do when you need more money. See all money guides
[H3] Small business credit score: what it is and how to boost yours
Your business credit score affects loan approvals, interest rates, and supplier terms. Learn how to improve it.
[H3] How to increase efficiency: 12 ways to save time in business
Learn how to increase efficiency in your business with 10 practical tips to cut admin, save time, and boost profit.
[H2] Planning and performance
Your intro to business planning, goal setting, key performance indicators, and financial reporting. See all planning and performance guides
[H3] How to write a business plan: 10 steps for success
Write a business plan that wins funding and guides your growth in 10 clear steps.
[H3] Inventory management system guide for your business
Learn how to build an inventory management system that cuts stockouts, frees up cash, and saves you time.
[H2] Leadership
Your intro to building a vision, establishing consensus, and inspiring action. See all leadership guides
[H3] Employee retention strategy: keep good staff longer
Learn how an employee retention strategy reduces staff turnover, boosts performance, and saves hiring costs.
[H2] Accounting and bookkeeping
Your intro to financial admin, taxes, and the technical side of running a business. See all accounting and bookkeeping guides
[H3] What does an accountant do for your small business?
Learn what an accountant does and how they save you time, boost accuracy, and improve cash flow.
[H2] Marketing
Your intro to finding and winning new customers, and keeping the old ones. See all marketing guides
[H3] How to write a value proposition that sets you apart
A value proposition defines what makes your business unique and why customers choose you over competitors.
[H3] Upselling techniques to increase revenue and profit
Upselling techniques invite customers to upgrade their purchase, which can create better outcomes for you and them.
[H2] Ecommerce
Your intro to starting, managing, and making money from an online business. See all ecommerce guides
[H3] What is dropshipping? How it works and how to start
Learn what dropshipping is, how it works, and how to launch an online shop without holding stock.
[H3] Online reputation management: a guide for small businesses
Learn how to manage your small business's online reputation with practical tips on reviews, monitoring and more.
[H2] Tools and reports
[H2] Free templates
Download helpful templates for things like quoting, invoicing, reporting and planning.Get the free templates
[H2] Calculators
Use accounting calculators to help plan and run your business.Use our calculators
[H2] Glossary
Learn the meaning behind all those weird and wonderful accounting terms.Read our glossary