Finance Tools Review

Xero

Deep Dive Analysis

Xero is cloud accounting for small business, covering bank reconciliation, invoicing, payroll in some regions and reporting for your accountant.

Small businesses that want their accountant working in the same system.

"A solid choice where it is well supported locally. Check regional payroll coverage before committing."

Invoicing and accounting for freelancers.

Business accounting.

Corporate cards and expense management.

Public API

Offers a documented API you can build against.

Yes

Mobile app

Has a native app for iOS or Android, not just a mobile website.

Yes

Open source / self-hostable

Source is open and the tool can be run on your own infrastructure.

SSO (SAML)

Supports SAML single sign-on on at least one plan.

Yes

These are facts that can be checked, not opinions. Where we have not checked, it says so — we do not fill the gap with a guess.