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Finance AI Index
Index › Products › Xero · October 2026 Edition
21 categories · Ranked

Xero

795Judge labels
101First choices
129Negative labels
14 / 14Models named it
21Categories
October 2026 Edition. Every number here is derived from the raw labels under vendor table v2026-10.7, every buyer segment counted.
Best standing
23% in Account reconciliation for small business buyers
Rank 6 of 82 in the mid-market standingaccepted challenger
0 of 14 models made it the first choice on the direct prompt; 10% of its 20 labels there were negative.
What the models named instead of Xero →
By buyer segmentStrongest at small business.
In account reconciliation · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading

Standing by category

Every category where a model named Xero for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.
CategoryFunctionShareRankNegative rateLabelsQuadrantSince September 2026
Account reconciliationAccounting and close6%6 of 8210%20accepted challenger▲+2Since September 2026: 4% → 7%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
AI accounting assistantsAccounting and close4%7 of 855%37accepted challenger▼−2Since September 2026: 7% → 5%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Fixed asset accountingAccounting and close4%7 of 1070%12accepted challenger=heldSince September 2026: 4% → 5%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Invoicing softwareReceivables and billing2%8 of 716%34accepted challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Revenue recognitionAccounting and close2%16 of 7720%10accepted challenger▼−4Since September 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Global e-invoicing complianceTax and compliance2%7 of 1365%21accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Accounts receivable automationReceivables and billing2%15 of 790%3under 10 labels · led by Upflow at 17%▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Lease accountingAccounting and close2%16 of 710%3under 10 labels · led by FinQuery at 29%▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Financial reporting and dashboardsPlanning and analysis2%12 of 1057%14accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Accounting softwareAccounting and close2%5 of 5520%41accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Accounts payable automationSpend and procurement2%8 of 540%8under 10 labels · led by Ramp at 22%▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Financial consolidationAccounting and close0%90 of 10240%5under 10 labels · led by Prophix at 24%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
ERP systemsAccounting and close0%34 of 7325%4under 10 labels · led by Oracle NetSuite at 39%newNew since September 2026: not ranked then, 0% now.
Financial close managementAccounting and close0%27 of 8525%4under 10 labels · led by FloQast at 55%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Corporate tax provisionTax and compliance0%98 of 102100%2under 10 labels · led by Thomson Reuters ONESOURCE Tax Provision at 21%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Supplier managementSpend and procurement0%70 of 1110%2under 10 labels · led by Precoro at 14%newNew since September 2026: not ranked then, 0% now.
Cash applicationReceivables and billing0%69 of 830%1under 10 labels · led by Versapay at 9%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Corporate performance managementPlanning and analysis0%88 of 99100%1under 10 labels · led by Planful at 22%newNew since September 2026: not ranked then, 0% now.
Expense managementSpend and procurement0%51 of 54100%1under 10 labels · led by Ramp at 35%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Financial modeling and scenario planningPlanning and analysis0%62 of 770%1under 10 labels · led by Microsoft Excel at 14%newNew since September 2026: not ranked then, 0% now.
Treasury management systemsTreasury and cash0%103 of 1240%1under 10 labels · led by Trovata at 28%newNew since September 2026: not ranked then, 0% now.

Movement

Since September 2026, Xero held within the floor in all twenty-one categories: no change cleared 10 points.

Best category · Account reconciliation · by segment

Small business▼−7Since September 2026: 33% → 26%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
26%from 33% in September 2026
Inside the floor by 3 pointsRank 2 of 82, unchanged
Mid-market▲+2Since September 2026: 4% → 7%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
7%from 4% in September 2026
Inside the floor by 8 pointsRank 7 → 5 of 77
Enterprise▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
0%from 2% in September 2026
Inside the floor by 8 pointsRank 10 → 62 of 66

All categories · Mid-market

CategorySeptember 2026NowChangeReadingRank
Revenue recognition6%2%▼−4Since September 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 6 → 16 of 77
Account reconciliation4%7%▲+2Since September 2026: 4% → 7%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 7 → 6 of 82
Accounts receivable auto0%2%▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 73 → 15 of 79
Global e-invoicing compl0%2%▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 20 → 7 of 136
Lease accounting0%2%▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 21 → 16 of 71
Financial reporting0%2%▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 22 → 12 of 105
Accounting software0%2%▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 9 → 5 of 55
Accounts payable automat0%2%▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 12 → 8 of 54
AI accounting assistants7%5%▼−2Since September 2026: 7% → 5%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 5 → 7 of 85
Fixed asset accounting4%5%=heldSince September 2026: 4% → 5%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 9 → 7 of 107
Invoicing software2%2%=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 8 of 71, unchanged
Financial consolidation0%0%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 42 → 90 of 102
ERP systems0%0%newNew since September 2026: not ranked then, 0% now.New this editionRank 34 of 73, unchanged
Financial close manageme0%0%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 49 → 27 of 85
Corporate tax provision0%0%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 60 → 98 of 102
Supplier management0%0%newNew since September 2026: not ranked then, 0% now.New this editionRank 70 of 111, unchanged
Cash application0%0%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 40 → 69 of 83
Corporate performance ma0%0%newNew since September 2026: not ranked then, 0% now.New this editionRank 88 of 99, unchanged
Expense management0%0%=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Within noiseRank 22 → 51 of 54
Financial modeling0%0%newNew since September 2026: not ranked then, 0% now.New this editionRank 62 of 77, unchanged
Treasury management syst0%0%newNew since September 2026: not ranked then, 0% now.New this editionRank 103 of 124, unchanged

Shares here are read over the models both editions asked, so they can differ by a point or two from the standing above, which counts every model in this edition.

The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured · The editions

By model

How each model treated Xero across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.
ShowHide
ModelFirst choiceAlternativeMentionNegativeLabels
Claude Haiku 4.5395017
GPT-5.4 mini270110
Gemini 3.5 Flash083516
Perplexity Sonar462214
Grok 4.1 Fast21411431
Mistral Small167014
DeepSeek V4 Flash395219
Llama 4 Maverick147012
Qwen 3.7 Flash2104723
Kimi K24116122
GLM 4.7 FlashX354214
MiniMax M2.5373114
GPT-6 Luna22004
Muse Glimmer 30B077115

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.
FramingLabels by classFirst choices
Direct115 labels28
Paraphrase136 labels34
Comparative156 labels45not counted in share
Budget-constrained192 labels34
Scale-constrained48 labels5
Negative148 labels26not counted in share
First choiceAlternativeMentionNegative795 labels in all, every segment counted; 101 of the 172 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

“The Best All-Around (Accounting + Reporting): Xero ... strikes the perfect balance between affordability and professional reporting capabilities.” Qwen 3.7 Flash · Financial reporting · budget prompt · first choice
“the strongest choice is usually Xero if you mainly need affordable small-business accounting with lease-related support” Perplexity Sonar · Lease accounting · budget prompt · first choice
“Xero is ideal for accountants and bookkeepers... best for cloud bookkeeping with strong bank feeds and unlimited users” Claude Haiku 4.5 · AI accounting assistants · comparative prompt · first choice
“The best accounts payable automation software for a company with a limited budget is Xero, BILL Accounts Payable, or Ramp.” Llama 4 Maverick · Accounts payable automat · budget prompt · first choice

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Avoid using QuickBooks, Xero or any billing-only / cash-accounting ledger as your primary ASC 606/IFRS 15 engine” Muse Glimmer 30B · Revenue recognition · negative prompt · hard negative
“Examples: QuickBooks Online, Xero, Wave. ... Why to avoid:” Qwen 3.7 Flash · Revenue recognition · negative prompt · hard negative
“Generic accounting software (QuickBooks, Xero for complex consolidation) | May lack true multi-entity elimination, currency translation” Kimi K2 · Financial consolidation · negative prompt · soft negative
“BigTime notes that Xero can be rigid for invoicing and billing workflows, with recurring billing and reminders often needing extra setup” Perplexity Sonar · Invoicing software · negative prompt · soft negative

Named alongside

The products named in the same answers as Xero, over the 795 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Xero was named but was not.
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ProductSame answerTook the first choice insteadHead to head
Wave213 of 79556Compare →
BILL74 of 7957Compare →
A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Xero. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 737 of the 795 answers that named Xero and are not a share of its labels.

Domains cited

forbes.com234
xero.comYour site223
ramp.com187
g2.com167
quickbooks.intuit.com158
capterra.com125
techrepublic.com122
sourceforge.net118
softwareadvice.com110
wise.com106

1,327 of the 1,550 domain citations in answers naming Xero came from somebody else's page.

Pages cited

Pages are listed as the models cited them.

Search and answers

xero.com is not in Google's top ten for any of the category's searches. In the answers, Xero takes 6% of first choices and FloQast takes 33%.
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In search

Google, US estimates
Position for “reconciliation tools”
–
not in the top ten
Position for “account reconciliation software”
–
not in the top ten
Searches for its name, Google
90,500 a month (“xero”)
AI search demand for its name, est.
4,610 a month
Organic visits to its site
about 1,200,289 a month
Searches its site ranks for
68,216 · 3,142 in the top three
Sites linking to it
53,798
Paid Google search
10 searches its ads show for, about 30 clicks and $500 a month (estimate)
Ads on GoogleDetailLess
119+ ads · 115 text, 3 image, 1 video · 119 shown in the last 30 days

First shown August 2023, as Xero Limited, verified. Ads started 2025-10 to 2026-09: 44 in the year, 75 before. 1 more by other advertisers linking to it.

On Google's pages: 1 2 3 4

In answers

This edition
Share of first choices
6%
rank 6 of 82 in account reconciliation
Segment leader
33%
FloQast
First choices
101 across its categories
Named in
795 answers
Its own site cited
in 737 of the answers that named it

Search figures are US estimates from DataForSEO, read September 28, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.

What it publishes

ShowHide
Addresses on xero.com
19,258
subdomains included
Content
8,162
counted in the table below
Documentation
142
Product · Integration
1 · 95
KindPagesLast 90 days2025-10 to 2026-09LatestCategories named
Report or ebook2,896undated
Glossary or explainer1,248undated
Blog1,17582026-09-18
Conference or event1,05312026-09-10
Template or tool806undated
Case study533undated
News or press24542026-09-28
Comparison139undated
Podcast or video6102021-09-21
Webinar or virtual event6undated

Most recent

Events in person

Upcoming
Last twelve months

As the event pages on xero.com state them, read September 28, 2026.

How it is countedHide how it is counted

Every page xero.com exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. An event counts as online when its address or title says so (webinar, on demand, virtual or online summit); a conference, summit, trade show, expo or roadshow that does not say so is counted as a conference or event, which on a vendor's site is mostly in person. Read September 29, 2026.

Names read as Xero

What the judge wrote, as written, with how often. The vendor table decides that these count as Xero; a claim can dispute any of them.
Xero (Early Plan) 2Xero Fixed Assets 2QuickBooks / Xero Add-ons 1Xero (JAX) 1Xero (with JAX AI) 1Xero (with JAX) 1Xero + JAX 1Xero + Native Bill Pay 1Xero + add-ons 1Xero Early 1Xero with JAX 1Xero/QuickBooks Online 1

Follow Xero

An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.

Already following? Everything you follow, with a stop for each.

The company

Xero is its own company.
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In its own words

Stated by the vendor, not checked
Positioning
Accounting software for small businesses
For
Small businesses
Price stated
Early $2.50 per month for the first 6 months. Then $25 per month; Growing $5.50 per month for the first 6 months. Then $55 per month; Established $9 per month for the first 6 months. Then $90 per month xero.com
Starting price
2.50 xero.com
Free plan or trial
Start a free trial today. xero.com
Integrations claimed
1000 xero.com
Certifications
Get CertifiedISO/IEC ISO27001:2022SOC 2PCI DSS v4.0, SAQ AHMRC-recognisedMTD-compliant
Customers named
Jeff Hughes, Visual ContrastLil Roberts, XendooEric Stevens, Good WoodAdam Kestel, Frogtown BreweryMonique Malcolm, Take Tiny ActionAmanda Nguyen, Butter&Nicole and Anne, from Olive and Poppy, turn wine country into gift cityYvonne Randolph, Yvonne Randolph Interior Design
Not stated on the pages read
Hosting

What Xero's own pages state, read September 28, 2026: xero.com, xero.com/pricing-plans, xero.com/security, xero.com/uk/accounting-software/payroll/features, xero.com/small-businesses/customers. A claimed page can correct any of them.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Xero's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Xero, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

What a new claim receivesHide what a new claim receives

A new claim receives the current edition's vendor brief for Xero by email, built from the raw record of the edition. It shows:

  • where Xero is named, by buyer and by framing, and which cells hold its first choices;
  • the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
  • its vocabulary against the segment leader's, and the pages the models cited;
  • who was chosen in the answers that did not name Xero, and every reason the record gives;
  • a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
  • one page of published figures cleared to show a buyer.

A verification link goes to your work email; an address at xero.com is approved on the spot, any other is reviewed by hand. Your email is never published. Claiming gives no say over labels, shares, verdicts or which quotes appear.