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AI Tool Profile
Xero
Xero is cloud accounting software for small businesses, with an AI agent called JAX, bank reconciliation, invoicing and Smart Document Capture. US plans start with Early at $27 a month after an introductory discount.
Description of Xero
Xero is cloud accounting software used by small businesses and their accountants. It handles quotes and invoices, online invoice payments, bills, bank reconciliation, sales tax, W-9 and 1099 management in the US, real-time reports and cash-flow forecasting. Smart Document Capture pulls bills and receipts into Xero, and standard ACH bill payments are included in business plans, with fees for other payment methods. The home page introduces JAX, described by Xero as an AI superagent that automates tasks, answers questions about cash flow and profit trends, and creates invoices and quotes on request inside Xero or by WhatsApp, SMS or email.
The US pricing page lists three plans with no per-user license fees. Early is $27 per month and includes quotes, 20 invoices, 5 bills, bank reconciliation, Smart Document Capture, reports and a 30-day cash-flow forecast. Growing is $59 per month and adds unlimited invoices, automated bill entry, dashboards, budgeting and auto-reconcile. Established is $97 per month and adds a 180-day forecast, KPI analysis, multiple currencies, project tracking and expense claims. At the time of review the page offered 80 percent off for the first three months, which made Early $5.40 per month during that period, or one month free as an alternative, and it mentions free expert setup help.
The invoice and bill caps on Early are low for a growing business, so many companies will compare Growing against QuickBooks Essentials.
Features of Xero
- JAX AI agent answers cash-flow and profit questions and drafts invoices and quotes in Xero, WhatsApp, SMS or email.
- Bank reconciliation, Smart Document Capture for bills and receipts, and cash-flow forecasts of 30 to 180 days by plan.
- US plans with no per-user license fees, standard ACH bill payments included, and sales tax and 1099 support.
Frequently asked questions
How much does Xero cost in the US?
Early is $27 per month, Growing $59 and Established $97. At the time of review new customers could get 80 percent off for the first three months, or one month free instead.
What does Xero's AI do?
Xero describes JAX as an AI superagent that automates tasks, gives insights on cash flow and profit, and creates invoices and quotes when you ask, including over WhatsApp, SMS or email.
Website: https://www.xero.com/
Company: Xero
Key facts
Cloud accounting with bank reconciliation, document capture and the JAX AI agent, and no per-user fees. Early caps invoices and bills. US Early $27/month after a 3-month intro discount.
| Pricing model | Paid |
|---|---|
| Free tier | No free plan |
| Starting price | $27 / month |
| Data residency | Not verified |
| Compliance (as stated by vendor) | Not verified |
| Integrations | |
| Public API | Not verified |
| Self-hostable | Not verified |
| Official site | Not verified |
| Can a general AI assistant replace it? | A chatbot cannot reconcile bank transactions or keep tax records. Xero's AI works on your live books; use a chatbot only for general accounting questions. |
| Last verified | 2026-10-12 by editor |
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Update history
- 2026-10-12 · ai alternative note updated (editor)
- 2026-10-12 · editor verdict updated (editor)
- 2026-10-12 · integrations updated (editor)
- 2026-10-12 · pricing page url updated (editor)
- 2026-10-12 · starting price usd updated (editor)
- 2026-10-12 · free tier updated (editor)
- 2026-10-12 · pricing model updated (editor)
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