Xero Accounting for business

With Xero Accounting, keep track of cash flow, view income, manage expenses, and create invoices - or ask JAX, your AI finance partner, right from your phone. The Xero Accounting app is a business tracking app, ideal for small business owners, managers and landlords. The app acts as a companion to your Xero account, helping you stay productive and keep an eye on your business’ financial health, when and where it suits you. Managing your business finances, invoices, cash flow, income and expenses, has never been so easy.

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Features:

MANAGE INVOICING ON THE GO

• Raise & send quotes for faster client approval & get started on the job sooner
• Reduce the time it takes to get paid by raising & sending invoices from your device as soon as the job is completed
• Send invoices directly to clients via email, text message or other apps
• Easily keep track of unpaid invoices, to see who owes you what - and even track the status of an invoice, seeing if it has been viewed by clients
• For US users, automatically calculate sales tax on invoices for any state or jurisdiction

MANAGE SPEND

• Record spend as soon as it happens to reduce office admin & time spent looking for lost receipts

MANAGE CUSTOMER & SUPPLIER INFORMATION

• Have vital contact information in the palm of your hand so you can do business from wherever you are
• Get a view of how much is owed and quickly add notes so you can build better business relationships

RECONCILE FROM ANYWHERE

• Good bookkeeping habits have been made easy - Smart matches, rules & suggestions makes reconciling your business transactions easy, from anywhere with a few simple clicks
• Filter bank statement lines to optimize your unique workflow, leading to faster reconciliation
• New sort & search tools to make it easier to view business transactions & streamline the reconciliation process

ACCEPT CONTACTLESS PAYMENTS RIGHT ON YOUR iPhone
(currently only available in the US, Australia, the UK, New Zealand & Canada)

• Accept in-person, contactless payments right on your iPhone, so you can reach new customers & take payments on the go
• Accept contactless payments from physical debit/credit cards, Apple Pay & other digital wallets. So there’s no need for additional hardware such as card readers or terminals
• Privacy & security of iPhone built in. Apple doesn’t store card numbers or PIN information on your iPhone or Apple servers, so merchants & customers can rest assured that their data stays theirs
• Tap to Pay on in the Xero Accounting App is free to set up, with no ongoing or monthly subscription fees. Stripe transactions fees still apply
• Save time, improve cash flow & focus on growing your business

KEEP TRACK OF CASH FLOW

• View summaries of outstanding bills & invoices to see what’s owed
• Quickly & easily create bills by capturing photos or selecting files from your mobile device, with our new automatic bill uploader with AI

AI-POWERED FINANCE PARTNER
Get instant answers on your financial performance — revenue and profit trends, or your current cash position.
Create, edit, approve and send a quote or invoice, and get answers to invoice-related questions.
Snap a photo or upload a document to get instant, secure answers and summaries.
Ask JAX how to use a Xero feature, and get answers based on Xero Central's help content.

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XERO ACCOUNTING APP IS POWERED BY XERO
To contact support, visit us at https://central.xero.com/, raise a ticket, book a call & someone will reach out to you
Got product & feature ideas for the Xero Accounting App? Visit https://productideas.xero.com/

You're in good hands with Xero. We're rated GREAT on Trustpilot (4/5) with 11K+ customer reviews (as of July 2026)

Downloading & accessing the Xero Accounting mobile app is subject to the acceptance of Apple's Standard EULA https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
More terms apply if you use Xero's services, see https://www.xero.com/legal/terms/