Small business owner using cloud accounting software on a laptop

Cloud Accounting & Payroll

The UK’s leading cloud accounting software for small businesses

Connect your business to accounting, payroll, invoicing and more — all in one place.

Key Features

Everything you need to run the numbers

Smart Invoicing

Create and send professional invoices, track payments, and get paid faster with online payment options.

Bank Reconciliation

Automatic bank feeds import transactions daily; match, categorise and reconcile in minutes with AI-powered suggestions.

Payroll

HMRC-recognised payroll software; run pay, submit RTI to HMRC, auto-enrol pensions, and send digital payslips.

Financial data displayed across mobile and tablet devices on a modern desk

Why Xero

All your financial data in one place

Xero connects all your financial data in one place — accounting, payroll, VAT, expenses and more. Used by over 4 million subscribers worldwide, it’s built for small businesses, sole traders and their accountants.

Real-time cash flow visibility, bank-grade security, and access from any device, anywhere.

Built for the way you work

MTD Ready

Fully compliant with HMRC’s Making Tax Digital for VAT and Income Tax.

Real-time Reporting

Dashboards showing cash flow, outstanding invoices and bank balances at a glance.

1,000+ Integrations

Connect Xero with your favourite apps including Stripe, PayPal, Shopify, and more.

Xero Mobile App

Manage your finances on the go with the Xero accounting mobile app.

Plans

Choose the plan that fits your business

Starter

Simple invoicing and reconciliation for sole traders getting started.

Most Popular

Standard

Full accounting plus payroll for one employee — everything a growing business needs.

Premium

Unlimited payroll and multi-currency for established businesses trading globally.

Ready to transform your finances?