Key takeaways
- Online accounting software with an AI finance assistant called JAX.
- Best for: Bookkeepers who already work in Xero, Businesses that want strong bank reconciliation.
- Pricing: Paid plans from $27 per month for Early after the introductory offer, as listed on November 6, 2026.
- Business data: Xero's data page does not say whether customer data is used to train AI models.
What Xero does
Xero covers invoices, bills, bank reconciliation and reports. Its AI assistant is called JAX and some features use AI to reconcile bank transactions and capture documents. Plans are priced by size with a discount for the first months.
Who it’s for
A good fit for
- Bookkeepers who already work in Xero
- Businesses that want strong bank reconciliation
Not a good fit for
- Teams that want a free trial
- Businesses that want payroll included in the base price
Xero pricing
| Plan | Price |
|---|---|
| Early | $27 per month, or $5.40 per month for the first 3 months |
| Growing | $59 per month, or $11.80 per month for the first 3 months |
| Established | $97 per month, or $19.40 per month for the first 3 months |
As listed on Xero’s pricing page on November 6, 2026. Prices change, so check the live page before you buy.
Key features
- Bank reconciliation
- Marked as an AI-assisted feature on the page.
- Smart Document Capture
- Marked as an AI-assisted feature on the page.
- Auto-reconcile
- Optional on Early and included on Growing and Established.
- JAX
- Xero's AI finance assistant, which the JAX page says is available to all Xero subscribers and users at no extra charge for now.
How to get started with Xero
- Enter your opening balances, which are your starting balance and dates.
- Add an account by connecting your bank or credit card and importing its statements.
- Learn to reconcile, and reconcile regularly to keep your records current.
Steps based on Xero’s own documentation. Menus change, so follow the live page if they differ.
Full walkthroughHow to Set Up Xero for Your TeamAccounts, team invites, admin and data settings, connecting your apps, and three tasks to try first.Business data and privacy
Xero's data page does not say whether customer data is used to train AI models. It says Xero shares data with ecosystem partners only with the customer's explicit agreement.
Source: Xero’s own documentation.
Xero alternatives
QuickBooks Online
by Intuit
Online accounting software with AI help from Intuit Intelligence.
Best for Businesses whose accountant already uses QuickBooks
Paid plans from $19 per month for the first 3 months then $38 per month for Simple Start
Dext
by Dext
Captures receipts and invoices and sends the data to your accounting software.
Best for Businesses that handle many paper receipts and invoices
Paid plans from $25.21 per month billed monthly
Ramp
by Ramp
Company cards, bill pay and expense management with AI features.
Best for Businesses that want company cards with spend controls
Free plan, paid plans from $15 per user per month plus a platform fee for Plus
Expensify
by Expensify
Scans receipts and manages expense reports for teams.
Best for Teams that submit many receipts and mileage claims
Free plan, paid plans from $5 per unique member per month for Collect on pay-per-use
Xero: common questions
Does Xero offer a free trial?
The pricing page lists no free trial. It offers a discount for the first 3 months and free onboarding help for the first 90 days.
Which Xero plans include the JAX assistant?
Xero's JAX page says JAX is available to all Xero subscribers and users. It says there is no extra charge at the moment but Xero may change that.
Sources
Read on November 6, 2026. Vendors change prices and menus, so check the live page before you buy.
About the author
Andy Kang, AI Partner Team. Andy Kang writes the AI directory for AI Partner Team, which sets up and builds AI tools for small businesses alongside managed IT. Each page is written from the vendor’s own pricing, help and trust pages, and shows the day those pages were checked.
- Facts come from the vendor’s own website and help docs, linked on every page.
- Each page shows the date we last read those sources.
- We do not score or rank tools. We say who each one suits and who it does not.
- If a vendor does not publish a price, we say so instead of guessing.