Xero Review: Pros, Cons, Features & Pricing

15+ years in ministry, editorial leadership, and Christian publishing.

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Xero is a church accounting software built around fund tracking, donation recording, and financial reporting for ministry teams. It's a strong fit when your team needs clean, audit-ready books and multiple staff members or volunteers need access to the same financial data. If QuickBooks has felt overly complex for your congregation's size, Xero's interface and unlimited-user model tend to be a more natural fit for smaller ministry operations.

Xero Evaluation Summary

Simplifies church finances so you can focus more on your mission.
Customer rating

4.4/5

Pricing
  • From $2.50/month
  • 30-day free trial available

Why Trust Our Software Recommendations

6,700+

Reviews

20

Industry experts

16+

Evaluation factors

14

Years

Our team has been testing and reviewing software since 2012. As church leaders ourselves, we know how difficult—and important—it is to choose the right software.

For this guide, we evaluated tools using hands-on testing and independent research, scoring tools using our selection criteria.

Our reviews reflect our human editorial judgment, not a sales pitch.

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

  • Xero's user-friendly interface makes it easy for your team to navigate and manage finances.
  • The software offers robust financial reporting tools, helping you keep track of your church's financial health.
  • Xero's automation of routine accounting tasks saves your team time and reduces errors.

Cons

  • Xero's customer support can be slow, which might delay resolving your issues.
  • Its learning curve may be steep for users without prior accounting software experience.
  • Some users find the initial setup process time-consuming, impacting your team's productivity at first.

Is Xero Right For Your Needs?

Who Would Be a Good Fit for Xero?

Small to medium-sized churches and non-profits are well-suited for Xero due to its simplicity and efficiency in managing finances. If your team needs straightforward budgeting and financial reporting, Xero's user-friendly interface will serve you well. 

Its automation of routine tasks can save your team valuable time, making it ideal for organizations with limited accounting staff. Xero's robust reporting tools also help you maintain a clear picture of your financial health, which is crucial for effective church management.

Small to medium-sized churches and non-profits are well-suited for Xero due to its simplicity and efficiency in managing finances. If your team needs straightforward budgeting and financial reporting, Xero’s user-friendly interface will serve you well.

Its automation of routine tasks can save your team valuable time, making it ideal for organizations with limited accounting staff. Xero’s robust reporting tools also help you maintain a clear picture of your financial health, which is crucial for effective church management.

  • Small Churches
    Xero simplifies financial management, making it ideal for small churches with limited accounting resources
  • Non-Profits
    Its robust reporting tools help non-profits maintain transparency and accountability in their finances.
  • Administrative Staff
    Xero's user-friendly interface allows administrative teams to manage finances without extensive training.
  • Volunteer-Led Teams
    Automation of routine tasks reduces the burden on volunteer-led teams, allowing them to focus on their mission.
  • Finance Committees
    Xero's detailed financial reports provide finance committees with the insights needed for strategic planning.
  • Part-Time Accountants
    For part-time accountants, Xero offers a straightforward platform to manage multiple financial tasks efficiently.

Who Would Be a Bad Fit for Xero?

Large organizations with complex accounting needs might find Xero lacking due to its limitations in handling intricate financial structures and high transaction volumes. If your team requires customized reporting or advanced features beyond standard accounting, Xero's capabilities might fall short. Additionally, businesses that need extensive customer support might struggle with Xero's slower response times, impacting your ability to quickly resolve issues.

Large organizations with complex accounting needs might find Xero lacking due to its limitations in handling intricate financial structures and high transaction volumes. If your team requires customized reporting or advanced features beyond standard accounting, Xero’s capabilities might fall short.

Additionally, businesses that need extensive customer support might struggle with Xero’s slower response times, impacting your ability to quickly resolve issues.

  • Large Enterprises
    Xero doesn't handle the complex financial needs of large enterprises with extensive accounting requirements.
  • Custom Reporting
    Teams that need highly customized financial reports may find Xero's standard offerings insufficient.
  • Advanced Accounting
    For advanced accounting needs, Xero's basic features may not meet the expectations of your accounting team.
  • High Transaction Volumes
    Organizations dealing with high transaction volumes might find Xero's processing capabilities inadequate.
  • Intensive Customer Support
    If your team frequently relies on customer support, Xero's response times could hinder your operations.
  • Multi-Department Coordination
    Businesses needing seamless coordination across multiple departments might find Xero's integration options limited.

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

  • 2-Factor Authentication: Yes
  • Accounts Payable: Yes
  • Accounts Receivable: Yes
  • API: Yes
  • Balance Sheet: Yes
  • Billing/Invoicing: Yes
  • BitCoin: No
  • Budgeting: Yes
  • Calendar Management: No
  • Contact Management: No
  • CRM Integration: No
  • Customer Management: No
  • Dashboard: Yes
  • Data Export: Yes
  • Data Import: Yes
  • Data Visualization: Yes
  • Expense Tracking: No
  • External Integrations: No
  • Forecasting: Yes
  • General Account Ledger: Yes
  • Inventory Tracking: Yes
  • Multi-Currency: Yes
  • Multi-User: Yes
  • Notifications: No
  • P&L: No
  • PayPal: No
  • Payroll: Yes
  • SAP Integration: No
  • Stripe: No
  • Supplier Management: No
  • Tax Management: Yes

Alternatives to Xero

Xero FAQs

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