Mark W.

Terrible.

Xero has gone backwards the last 3 years and would strongly recommend not using it.

1) Xero and the issues with the API integration with Yodlee. Often bank reconciling credits are show as debits. This has been going on for 3 years. I have mentioned it numerous times. It never gets fixed. Their solution. Just delete and add manually. I have had to do this so many times enough is enough. 3 years. Terrible! And, many many other issues not get addressed or resolved. See their forums and people in the forums that are disillusioned and leaving in droves.
2) WARNING: Canceling Subscriptions. They force you to pay the next 30 days of the subscription when you cancel. Meaning they force you to pay an additional month subscription for no reason other than squeezing as much out as you as possible. They even forced this during the Pandemic. Incredible!
3) RECOMMENDATION: Waveapp is free or the far superior but without reporting.
Intuit QuickBooks has better reporting and much better invoicing with multiple templates.
Depending on your needs one of the two above will match your requirements far better then Xero.