Xero Review: Pros, Cons, Features & Pricing
Xero is a Church Accounting Software that helps manage church finances with ease and precision. It best serves small to medium-sized churches and non-profit organizations that need straightforward budgeting and financial reporting, like your church finance team or administrative staff. Xero's value lies in its ability to simplify financial management, allowing you to focus on your mission.
In this article, you'll find insights into Xero's features, pros and cons, best and worst use cases, and pricing. As a pastor, you'll gain clarity on how Xero can support your financial goals and community mission.
Xero Evaluation Summary

- From $2/month (for 3 months, then $20/month)
- 30-day free trial
Why Trust Our Software Reviews
Xero Overview
In my opinion, Xero is a strong contender in the Church Accounting Software space. Its user-friendly interface and robust features make it suitable for churches of varying sizes, particularly those seeking a cost-effective solution without compromising on essential functionalities.
Compared to other software, Xero excels in ease of use and offers excellent value for money, though its customer support could be more responsive. It's best suited for churches that prioritize straightforward financial management and integration capabilities.
pros
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Xero's automation of routine accounting tasks saves your team time and reduces errors.
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The software offers robust financial reporting tools, helping you keep track of your church's financial health.
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Xero's user-friendly interface makes it easy for your team to navigate and manage finances.
cons
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Some users find the initial setup process time-consuming, impacting your team's productivity at first.
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Its learning curve may be steep for users without prior accounting software experience.
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Xero's customer support can be slow, which might delay resolving your issues.
How We Test & Score Tools
We’ve spent years building, refining, and improving our software testing and scoring system. The rubric is designed to capture the nuances of software selection and what makes a tool effective, focusing on critical aspects of the decision-making process.
Below, you can see exactly how our testing and scoring works across seven criteria. It allows us to provide an unbiased evaluation of the software based on core functionality, standout features, ease of use, onboarding, customer support, integrations, customer reviews, and value for money.
Core Functionality (25% of final scoring)
The starting point of our evaluation is always the core functionality of the tool. Does it have the basic features and functions that a user would expect to see? Are any of those core features locked to higher-tiered pricing plans? At its core, we expect a tool to stand up against the baseline capabilities of its competitors.
Standout Features (25% of final scoring)
Next, we evaluate uncommon standout features that go above and beyond the core functionality typically found in tools of its kind. A high score reflects specialized or unique features that make the product faster, more efficient, or offer additional value to the user.
We also evaluate how easy it is to integrate with other tools typically found in the tech stack to expand the functionality and utility of the software. Tools offering plentiful native integrations, 3rd party connections, and API access to build custom integrations score best.
Ease of Use (10% of final scoring)
We consider how quick and easy it is to execute the tasks defined in the core functionality using the tool. High scoring software is well designed, intuitive to use, offers mobile apps, provides templates, and makes relatively complex tasks seem simple.
Onboarding (10% of final scoring)
We know how important rapid team adoption is for a new platform, so we evaluate how easy it is to learn and use a tool with minimal training. We evaluate how quickly a team member can get set up and start using the tool with no experience. High scoring solutions indicate little or no support is required.
Customer Support (10% of final scoring)
We review how quick and easy it is to get unstuck and find help by phone, live chat, or knowledge base. Tools and companies that provide real-time support score best, while chatbots score worst.
Customer Reviews (10% of final scoring)
Beyond our own testing and evaluation, we consider the net promoter score from current and past customers. We review their likelihood, given the option, to choose the tool again for the core functionality. A high scoring software reflects a high net promoter score from current or past customers.
Value for Money (10% of final scoring)
Lastly, in consideration of all the other criteria, we review the average price of entry level plans against the core features and consider the value of the other evaluation criteria. Software that delivers more, for less, will score higher.
Xero Specs
- API
- Billing/Invoicing
- Budgeting
- Calendar Management
- Contact Management
- CRM Integration
- Expense Tracking
- External Integrations
- Forecasting
- Inventory Tracking
- Payroll
- Supplier Management
Xero FAQs
How does Xero handle data security and compliance?
Can Xero support multiple users in our church?
What kind of customer support does Xero offer?
Is Xero suitable for non-profit organizations?
How often does Xero update its software?
Can Xero handle payroll for church staff?
Does Xero offer training for new users?
How customizable is Xero for church-specific needs?
What's Next?
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