The strongest all-round QuickBooks alternative: full double-entry accounting, bank reconciliation, inventory and projects, with unlimited users on every plan and a lower price than QuickBooks at each tier.
What it is
Xero is cloud accounting software for small businesses and their accountants: invoicing and quotes, bills, bank feeds and reconciliation, inventory, projects, fixed assets and a large app marketplace. US plans: Early $27 a month (20 invoices and quotes and 5 bills a month), Growing $59 (automation and performance dashboards) and Established $97 (advanced tools and analytics); new customers currently pay $5.40, $11.80 or $19.40 a month for the first 3 months. Auto-reconcile is a $5 add-on on Early. US payroll is Xero Payroll powered by Gusto, an add-on at $36 a month plus $6 per employee or contractor. Prices checked November 12, 2026 on xero.com/us.
Best for
- Small businesses with an accountant or bookkeeper
- Teams where several people need a login
- Product businesses that track inventory
What we like
- Unlimited users on every plan
- Cheaper than QuickBooks at each tier ($27 vs $38 entry)
- Clean bank reconciliation and a large app marketplace
What to watch
- Early caps you at 20 invoices and 5 bills a month
- US payroll is an extra $36 a month plus $6 per person through Gusto
- Fewer US accountants know it than QuickBooks
Where Xero ranks
Alternatives and head-to-heads
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