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Cloud accounting for small businesses with AI features.
Xero is online accounting software for invoicing, bank reconciliation, bills and reports, with smart document capture and cash-flow forecasting.
Small businesses and their accountants.
Free plan: no · Paid plans from $27/month (Early, US)
Early plan $27/month (US; promo $5.40/month for first 3 months); higher plans available.
Last verified Oct 15, 2026 on the official pricing page. Prices can change; check before you buy.
What it does: AI money and budgeting assistant.
Who it's for: Young adults and anyone who wants a friendly, chat-based way to manage money.
What it does: Personal finance and subscription manager.
Who it's for: People who want to cut wasted subscriptions and keep an eye on their spending.
What it does: AI bookkeeping for small businesses.
Who it's for: Hotel groups, multi-location businesses and their accountants.
AI for small business: practical first steps: Where AI can genuinely save a small business time and money, which affordable tools to try first, and how to start without big risks or big budgets.