# Xero

- **Canonical URI:** https://www.vioscale.ai/software/xero
- **Category:** Accounting Software
- **Homepage:** https://www.xero.com
- **Also known as:** xero
- **Profile claimed by vendor:** no
- **Last updated:** 2026-08-05T14:31:53.535Z

## Vioscale score

**76 / 100**, confidence 50% (medium).

Composite of weighted, independently-sourced signals (no user reviews, no vendor payment).

| Signal | Score | Weight | Contribution | Evidence present |
|---|--:|--:|--:|:--:|
| price_level | 80 | 0.117 | 9.4 | ✓ |
| reliability | 50 | 0.07 | 3.5 | ✓ |
| capabilities | 81.2 | 0.152 | 12.3 | ✓ |
| integrations | 0 | 0.094 | 0 | - |
| security_posture | 90 | 0.047 | 4.2 | ✓ |
| pricing_transparency | 75 | 0.105 | 7.9 | ✓ |

## Pricing

_As of 2026-08-05, [verify at source](https://www.xero.com). Independently observed._

from £3.20/mo · Subscription · 30-day trial

> From £3.20/mo (first 6 months). 1 month free trial.

| Plan | Price | Free | Commitment |
|---|---|:--:|---|
| Ignite | £3.20/mo for first 6 months, then £16/mo | - | monthly |
| Grow | £7.40/mo for first 6 months, then £37/mo | - | monthly |
| Comprehensive | £10/mo for first 6 months, then £50/mo | - | monthly |
| Ultimate | £13/mo for first 6 months, then £65/mo | - | monthly |

### Ignite

An easy financial foundation - track cash flow with the essentials.

**Included limits:** invoices: 20

- Send quotes and 20 invoices
- Accept online invoice payments
- MTD for Income Tax ready
- Reconcile transactions (optional)
- Auto-reconcile transactions (optional)

### Grow

Go beyond the basics - automate tasks and access performance dashboards.

**Included limits:** payroll_users: 1, payments_domestic: 5, expense_claim_users: 1, cash_flow_forecast_days: 60

- Send invoices and quotes
- Accept online invoice payments
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 5 payments
- Payroll for 1 person
- 60 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 1 user
- Use multiple currencies
- Tailored financial health scorecards

### Comprehensive

Optimise profitability - tailor your insights for greater control.

**Included limits:** payroll_users: 5, payments_domestic: 10, expense_claim_users: 5, cash_flow_forecast_days: 90

- Send invoices and quotes
- Accept online invoice payments
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 10 payments
- Payroll for 5 people
- 90 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 5 users
- Use multiple currencies
- Tailored financial health scorecards

### Ultimate

Future proof your scaling business - with advanced tools and analytics.

**Included limits:** payroll_users: 10, payments_domestic: 15, expense_claim_users: 10, project_tracking_users: 10, cash_flow_forecast_days: 180

- Send invoices and quotes
- Accept online invoice payments
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 15 payments
- Payroll for 10 people
- 180 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 10 users
- Use multiple currencies
- Tailored financial health scorecards
- Track time and costs for projects for 10 users
- Analyse KPIs and ratios
- Benchmark against the industry

### Add-ons

- **Make online bill payments (International)**
- **Submit contractor CIS returns**

## About

Cloud-based accounting software for small businesses. Manage finances in real time with invoicing, expense tracking, VAT returns, and payroll capabilities.

_Independently observed._

## Platform & deployment

- **Platforms:** Web
- **Deployment:** Cloud / SaaS

## Capabilities

_The capabilities that matter for Accounting Software. "-" = undocumented, not absent._

| Capability | Supported |
|---|:--:|
| **Core** | |
| Double-entry GL | - |
| Multi-entity | - |
| Multi-currency | ✓ |
| Bank feeds | - |
| **Modules** | |
| AP automation | ✓ |
| AR / invoicing | ✓ |
| Inventory | - |
| Fixed assets | - |
| Project accounting | ✓ |
| **Compliance** | |
| Tax compliance | VAT returns, MTD for Income Tax, subcontractor CIS calculations |
| **Workflow** | |
| Accountant collaboration | ✓ |
| **Payments** | |
| Payments capture | ✓ |
| **Ecosystem** | |
| API access | - |
| **Deployment** | |
| Deployment | Cloud |

## Facts

Every value below carries its source and our confidence. Facts are re-crawled on a freshness schedule.

### pricing

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| pricing.free_tier | no | [link](https://www.xero.com) | 2026-08-05 | 60% (medium) |
| pricing.model | commercial | [link](https://www.xero.com) | 2026-08-05 | 60% (medium) |
| pricing.price_level | low | [link](https://www.xero.com) | 2026-08-05 | 60% (medium) |
| pricing.starting_gbp | 3.2 | [link](https://www.xero.com) | 2026-08-05 | 60% (medium) |
| pricing.transparent | yes | [link](https://www.xero.com) | 2026-08-05 | 60% (medium) |

### reliability

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| reliability.status_page | yes | [link](https://status.xero.com) | 2026-08-05 | 60% (medium) |

### security

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| security.disclosure_policy | yes | [link](https://www.xero.com) | 2026-08-05 | 60% (medium) |
| security.iso27001 | yes | [link](https://www.xero.com/security) | 2026-08-05 | 75% (high) |
| security.pci | yes | [link](https://www.xero.com/security) | 2026-08-05 | 75% (high) |
| security.soc2 | yes | [link](https://www.xero.com/security) | 2026-08-05 | 75% (high) |
| security.gdpr | yes | [link](https://www.xero.com/security) | 2026-08-05 | 75% (high) |

### market

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| market.availability | `{"hqCountry":"GB","primaryMarkets":["GB"],"availabilityScope":"global","availableCountries":["GB"],"notAvailableCountries":[]}` | [link](https://www.xero.com) | 2026-08-05 | 75% (high) |

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*Source: Vioscale (https://www.vioscale.ai/software/xero). Independent, evidence-based software intelligence. Cite the canonical URI.*