Xero
Cloud accounting with the JAX assistant: ask about your money and create invoices in plain words.
What it is
Xero is online accounting for small businesses: invoices, banking, reports and cash flow forecasts. JAX is Xero's AI assistant: it answers questions about your money and profit, and creates invoices and quotes from an everyday sentence, including through WhatsApp, text message and email. Smart document capture is included in all plans, and AI-powered auto-reconciliation of transactions starts with the Growing plan. Prices vary by country, and the US page shows an introductory discount. Tax questions are for your accountant.
- Bookkeeping
- Invoices
- Assistant
Who it is for
Professions we suggest this tool for:
Price
Paid
Plans change; current prices are on the official page: xero.com
Alternatives
- QuickBooks Online · Small business accounting with Intuit's AI agents: expense categories, bank reconciliation, invoices.
- Wave · Free accounting for freelancers: invoices, estimates and expenses, with receipt scanning as a paid extra.
- Zoho Books · Accounting from Zoho with the Zia assistant and a free plan for micro-businesses.
Official site
Checked: October 2026 · source