
Xero
Online accounting software for freelancers and small businesses: invoicing, bank reconciliation and vendor bill tracking
Overview
Xero is online accounting software built for freelancers and small businesses: quote and invoice creation, online collection, vendor bill entry and tracking, automated bank reconciliation, document capture and real-time financial reports. The UK grid displays four monthly plans excluding VAT: Ignite at £16, Grow at £37, Comprehensive at £50 and Ultimate at £65. Time-limited launch prices are what the page shows in large type (£3.20, £7.40, £10 and £13), with the standard price printed just underneath. Payroll and payments stay billed on usage on top of the subscription, at £1.50 per person paid and £0.20 per payment.
Xero offers neither interface nor official site in French: the product, documentation and support remain in English, and the publisher does not operate a localized edition for France, ruling out native French VAT handling or production of a FEC. The tool thus targets French-speaking structures whose accounting is kept overseas or whose accountant works in English. A documented public API and a marketplace of several hundred applications let you connect bank, payroll, e-commerce or expense tracking. The caps on the Starter plan (20 customer invoices, 5 vendor bills per month) are reached quickly once activity truly runs, pushing rapidly to Standard, significantly more expensive.
Our verdict
Best for freelancers and small structures comfortable in English who want complete, readable online accounting well connected to their bank and online shop. Not for you if you keep French accounting: lack of localization, French VAT and FEC means doubling the tool with a local solution, and the entry plan caps at 20 invoices per month.
Pricing
Every amount below was read on the vendor’s own pricing page, never on a third-party comparison site. Last checked 05/08/2026.
| Plan | Price | What it includes |
|---|---|---|
| Ignite | 16 £/mois hors TVA, après l'offre de lancement à 3,20 £/mois | Comptabilité de base, devis et factures, rapprochement bancaire |
| Grow | 37 £/mois hors TVA, après l'offre de lancement à 7,40 £/mois | Tout Ignite, plus les fonctions de gestion pour une entreprise en croissance |
| Comprehensive | 50 £/mois hors TVA, après l'offre de lancement à 10 £/mois | Tout Grow, plus les fonctions de suivi analytique et multidevise |
| Ultimate | 65 £/mois hors TVA, après l'offre de lancement à 13 £/mois | Tout Comprehensive, plus les fonctions les plus avancées de la gamme |
What drives the bill up
Les prix affichés en grand sur la page de Xero sont des tarifs de lancement, valables une durée limitée : le prix normal apparaît juste en dessous, en « Then ». Ce sont ces derniers que nous reprenons ici, parce que c'est ce que vous paierez à partir du quatrième mois. Deuxième ligne à ne pas oublier : la paie et les paiements sont facturés à l'usage en plus de l'abonnement, à 1,50 £ par personne payée et 0,20 £ par paiement. Les montants sont en livres et hors TVA, sur la grille britannique.
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