Accounting software for sole proprietors & freelancers
Empower your US small business with Xero self-employed accounting software for business owners. Xero’s advanced features save you time and manual effort everywhere – from automating your bank reconciliations and speeding up your invoicing process, to helping you master your cash flow.
Boost your business with Xero
Looking to grow your business? Xero accounting software for self-employed businesspeople makes it easy to manage finances and collaborate.
Industry-specific solutions
Meet the needs of your industry with Xero’s customizable reports and powerful tools, and hundreds of third-party apps.
A system for working together
Make tax time less stressful with a system that’s easy for your whole team to use – so everyone can pitch in.
Room to grow
Grow your business by adding more Xero users, automating your admin, and working from anywhere, anytime.
Easily send online quotes and invoices
Whenever a new client comes knocking, create a professional online quote with Xero accounting software for freelancers. And once the job’s done, just turn the quote into an invoice in a few clicks – and give clients multiple ways to pay so you get the money sooner.
- Use Xero quote templates for fast, professional quotes every time
- Add your logo and payment terms to appear on every quote and invoice automatically
- Link Xero with trusted payment providers to accept hassle-free online payments
Schedule and track your bill payments
Xero’s self-employed bookkeeping software helps you organize and fast-track your bill payments. Automate your bill entry and payment schedule so you never miss a deadline. Then track outgoing payments so you know exactly how much cash you have available.
- Pay multiple bills at once to save time and effort
- Schedule bills to pay at a future date to help your cash flow
- Check your Xero dashboard for upcoming bill deadlines
Reconcile your bank transactions effortlessly
Bank reconciliations are easy with Xero. In a spare minute, log in and let Xero’s self employed accounting software suggest matches. Just click – or tap your mobile – to match the transactions. Done! You’re up to date and ready to make confident spending decisions.
- Connect your business bank accounts to your Xero organization to see all your info on one screen
- Reconcile transactions often for an accurate view of your cash flow
- Handle the admin on the spot with the Xero Accounting mobile app
Record your bills and receipts with Hubdoc
Too many bills and not enough time? Simply snap a receipt with your phone, and let Xero’s accounting software for freelancers take care of the rest. Hubdoc captures the key details, sends them to Xero, and saves the original photo. You get reliable records and save time.
- Take photos, email, scan, or upload your documents to Xero
- Skip the data entry – Hubdoc extracts the data for you
- Store your documents online for easy access wherever you go
Xero’s made a big difference in helping keep my finances organized.
Ade Hassan, founder of Nubian Skin
Small business accounting software
Learn more about how Xero accounting software works for your small business
Freelance invoicing software
Invoicing software built for freelance businesses
Freelance time tracking software
Time tracking software built for freelance businesses
FAQs about Xero in the US
Yes, Xero’s reporting and analytics capabilities help you easily prepare and submit your returns so you never miss a deadline. Your numbers will be accurate and all stored in one secure place.
See tax information for businesses from the IRS.Yes, Xero’s reporting and analytics capabilities help you easily prepare and submit your returns so you never miss a deadline. Your numbers will be accurate and all stored in one secure place.
See tax information for businesses from the IRS.Yes – Xero partners with Gusto for a full-service payroll solution. Gusto saves you time on all aspects of your payroll – including calculating employee pay and deductions – thanks to its clever automations.
Check out payroll with GustoYes – Xero partners with Gusto for a full-service payroll solution. Gusto saves you time on all aspects of your payroll – including calculating employee pay and deductions – thanks to its clever automations.
Check out payroll with GustoThe best accounting software depends on your needs. Xero’s accounting software has flexible plans so you can adjust your subscriptions to access the features you need as your business grows.
Check out Xero’s pricing plans.The best accounting software depends on your needs. Xero’s accounting software has flexible plans so you can adjust your subscriptions to access the features you need as your business grows.
Check out Xero’s pricing plans.No – Xero is based in the cloud, so all you need is an internet connection. But you need a multi-factor authentication (MFA) app to log in to Xero. MFA extra layer of security by checking that it’s really you when you log in.
Learn about data protection with Xero.No – Xero is based in the cloud, so all you need is an internet connection. But you need a multi-factor authentication (MFA) app to log in to Xero. MFA extra layer of security by checking that it’s really you when you log in.
Learn about data protection with Xero.Yes, the Xero App Store has hundreds of apps to help manage your business, including apps specifically designed for your industry and for doing business in the USA.
Check out the Xero App Store.Yes, the Xero App Store has hundreds of apps to help manage your business, including apps specifically designed for your industry and for doing business in the USA.
Check out the Xero App Store.
Why small businesses love Xero
Small business owners love Xero’s user-friendly design and dynamic features. You don’t need accounting knowledge – just an internet connection! Then it’s easy to sort your admin, from invoicing and bills to financial reporting.
Work from anywhere, anytime
Xero’s cloud-based software means you can handle admin wherever your business takes you.
Understand your business better
Customized reports and data visualisations help you make confident decisions and set goals for your business.
Do more with apps
Xero’s sole-proprietor software integrates with third-party apps, like payroll, ecommerce, and invoicing.
Here’s why you should choose Xero for your small business
Your self-employed business resources
Boost your bookkeeping skills with these expert guides – all written in no-nonsense language.
Bookkeeping for freelancers
Here are ways to stay in control of your daily business accounts.
How to pay yourself as a business owner
Learn how different types of business owners pay themselves – and decide on how much.
A free invoice template for freelancers
Get paid sooner with this easy-to-use professional template, designed by billing experts.
Plans to suit your business
All pricing plans cover the accounting essentials, with room to grow.
Early
Usually $20
Now $2
USD per month
Save $54 over 3 months
Growing
Usually $47
Now $4.70
USD per month
Save $126.90 over 3 months
Established
Usually $80
Now $8
USD per month
Save $216 over 3 months
Start using Xero for free
Access Xero features for 30 days, then decide which plan best suits your business.
Connect Xero to other apps for sole traders and the self-employed
Hundreds of third-party apps integrate with Xero. Find apps for your business at the Xero App Store.
- App
Oncord
Use Oncord to build a content-rich website, grow your customer database, and communicate with email, SMS and social.
- App
Stripe
Use Stripe to accept payments from debit and credit cards, Apple Pay, and Google Pay for online invoices sent from Xero.
- App
GoCardless
No more late payments. Automatically debit your customer’s bank account whenever your Xero invoices are due.
Explore Xero accounting software for sole proprietors
Take control of your accounting online with Xero. Our easy-to-use, cloud-based software helps your small business grow and succeed.
