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Xero is cloud accounting for small businesses and their accountants. It connects to bank accounts, imports transactions, reconciles them against invoices and bills, and produces tax and financial reports. Invoicing, quotes, expense claims and multi-currency support are built in, and the app marketplace covers payroll, inventory and industry-specific add-ons. Pricing is per month by plan, with tiers based on invoice volume and features, and a trial is available. It is strongest in markets where accountants standardize on it; check local payroll and tax support before committing.