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Xero

Recommended

Beautiful cloud accounting. Unlimited users on all plans, strong outside the US.

312 reviews
Free tierHas API
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In a nutshell

Xero is the best-designed accounting software with the fairest pricing model (unlimited users). Outside the US, it is often the better choice over QuickBooks. The Starter tier is too limited, but Standard at $42/mo with unlimited users is excellent value.

What's great

  • Unlimited users on all plans — no per-seat charges
  • Clean, modern interface that is a pleasure to use
  • Strong international support with multi-currency

Watch out for

  • Starter tier is too limited for most businesses
  • US tax ecosystem is weaker than QuickBooks
  • Payroll is an add-on in most regions

Best for

Small businesses wanting clean cloud accounting with unlimited users, especially outside the US.

Not ideal for

US businesses needing deep tax integration — QuickBooks has a stronger US tax ecosystem.

Pricing

Free

30-day free trial

Starter

$15/mo (Starter, limited)

Pro

$42/mo (Standard)

Enterprise

$78/mo (Premium)

View official pricing →
How it compares
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Mercury

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Banking for startups. Beautiful interface, powerful APIs, and founder-friendly features.

W

Wise

4.5

International transfers at the real exchange rate. The fairest way to send money globally.

See full comparison →
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