Xero is a cloud-based accounting platform used by small business owners, bookkeepers, and accounting practices in over 180 countries to manage invoicing, bank reconciliation, payroll, expenses, and financial reporting. Marketed as cloud accounting software for small businesses, Xero combines bank feeds with auto-matched transactions, multi-currency invoicing, recurring billing, mobile receipt capture, project tracking, payroll for select countries, and integrations with 1,000-plus apps including Shopify, Stripe, HubSpot, and Gusto. Xero is a strong fit for small business owners replacing QuickBooks Desktop, accounting firms managing client books at scale, and freelancers consolidating invoicing and bookkeeping in one platform.