빠른 시작
이 가이드에서는 Xero의 모든 기능을 다룹니다.
- 시작하기 — Create your account and set up the basics
- 계정 대시보드 사용 방법 — See your cash flow, bank account balances and unpaid bills on one screen
- 송장 템플릿 사용 방법 — Send professional-looking invoices that carry your own branding and logo
- 고급 회계 사용 방법 — Set tax rules, your chart of accounts and financial year end date
- 비즈니스 스냅샷 사용 방법 — Read profit, loss and expense trends without building reports by hand
- 자동 청구서 입력 사용 방법 — Turn supplier bills and receipts into records without typing every line
- How to Use Multi-Currency Accounting Software — Invoice overseas customers and track gains from currency rate moves
- 은행 계정 조정 사용 방법 — Match imported bank transactions to your records in a few clicks
- 자동 청구서 발행 사용 방법 — Schedule repeating invoices and payment reminders so you get paid faster
- 프로젝트 추적 방법 — Watch time, costs and profit on every job you are running
소요 시간: 각 작품당 5분
이 가이드에는 다음 내용도 포함되어 있습니다. 프로 팁 | 흔히 저지르는 실수 | 문제 해결 | 가격 | 대안
이 가이드를 신뢰해야 하는 이유
I’ve run my own books in Xero for three years and tested every feature covered here. This tutorial comes from real hands-on experience, not vendor screenshots.
Xero is one of the most capable 회계 software options available today.
But most users only ever touch invoices and stop there.
이 가이드는 모든 주요 기능 사용 방법을 안내합니다.
단계별 설명과 스크린샷, 전문가 팁을 함께 제공합니다.
Xero 튜토리얼
This complete How to use Xero tutorial walks you through each feature in order, from first login to the advanced tools that make you a power user.
제로
Stop guessing where your money went. Xero pulls bank transactions in automatically, chases unpaid invoices for you, and gives small 사업 owners a clear picture of cash flow every day. Unlimited users on every plan.
Xero 시작하기
어떤 기능을 사용하기 전에 먼저 이 일회성 설정을 완료하십시오.
약 3분 정도 걸립니다.
Here is what the first week looked like for me:
이제 각 단계를 하나씩 살펴보겠습니다.
1단계: 계정 생성
Go to the Xero website and click Start Free Trial.
이메일 주소를 입력하고 비밀번호를 만드세요.
✓ 검문소: 확인하세요 받은 편지함 for the confirmation link.
Step 2: Add Your Organisation Details
Open Settings, then Organisation Settings.
Fill in your company name, address, tax information and logo.
These details appear on every invoice you send, so accuracy matters.
Here is what the setup screen covers:
✓ 검문소: 당신의 사업 name shows in the top left corner.
Step 3: Connect Your Bank and Invite Your Team
Go to Settings, Bank Accounts, and follow the prompts to connect your bank.
Then open Settings, Users, to invite your accountant or bookkeeper.
You can set individual permissions, so each person gets access to only what they need.
That way you share the books without handing over payroll details.
✅ 완료: 이제 아래의 모든 기능을 사용할 준비가 되었습니다.
Xero 계정 대시보드 사용 방법
계정 대시보드 lets you see your cash flow, bank account balances and unpaid bills on one screen.
다음은 단계별 사용 방법입니다.
1단계: 대시보드를 엽니다.
Log in and click Dashboard in the top menu bar.
Take a minute to explore the Xero dashboard before changing anything.
Step 2: Add Your Bank Account Tiles
Click Add bank account and pick your bank from the list.
이것이 어떤 모습인지 보여드리겠습니다:
✓ 검문소: Bank balances, invoices owed to you and bills to pay all appear as tiles.
Step 3: Rearrange the Panels
Drag each panel so your most-watched numbers sit at the top.
✅ 결과: You have a clear picture of cash flow the moment you log in.
💡 꿀팁: Click the small arrow on a bank tile to switch it between a balance figure and a spend graph.
Xero 송장 템플릿 사용 방법
송장 템플릿 lets you send professional-looking invoices that carry your own branding and logo.
다음은 단계별 사용 방법입니다.
Step 1: Open Invoice Settings
Go to Settings, then Invoice Settings, to reach your branding themes.
Step 2: Upload Your Logo and Details
Add your logo, address and payment terms to the standard theme.
이것이 어떤 모습인지 보여드리겠습니다:
✓ 검문소: Your logo sits at the top of the preview with your business details below.
3단계: 저장 및 미리보기
Hit Save, then preview the theme on a draft invoice.
✅ 결과: Every invoice you send now looks like it came from a real finance team.
💡 꿀팁: Build a second theme with no payment terms for quotes. It saves editing them one by one.
Xero 고급 회계 사용 방법
고급의 회계 lets you set tax rules, your chart of accounts and financial year end date.
다음은 단계별 사용 방법입니다.
Step 1: Open Financial Settings
Go to Settings, Advanced settings, then Financial Settings.
Step 2: Set Tax and Year End
Enter your tax basis, tax number and financial year end date.
이것이 어떤 모습인지 보여드리겠습니다:
✓ 검문소: Your tax details and year end date show as saved on the settings page.
Step 3: Edit the Chart of Accounts
Open Chart of Accounts and rename codes to match how you sell.
Accurate codes keep your reports readable later.
✅ 결과: Income and expenses now land in the right place automatically.
💡 꿀팁: Archive account codes you will never use instead of deleting them. Deleting breaks old transactions.
How to Use Xero Business Snapshots
비즈니스 현황 lets you read profit, loss and expense trends without building reports by hand.
다음은 단계별 사용 방법입니다.
1단계: 보고서 메뉴를 엽니다.
Click Accounting, then Reports, then Business Snapshot.
Step 2: Pick Your Date Range
Choose the period you want to check, such as the last quarter.
이것이 어떤 모습인지 보여드리겠습니다:
✓ 검문소: Profitability and cash panels fill with your own figures, not sample 데이터.
Step 3: Read the Performance Panels
Scroll through profit, expense and cash flow panels for the period.
Open the balance sheet from the same menu to check what you own and owe.
✅ 결과: You understand how the business performed without building a report by hand.
💡 꿀팁: Compare two periods side by side. Sudden expense jumps usually point to a miscoded bill.
How to Use Xero Auto Bill Entry
청구서 입력 자동화 lets you turn supplier bills and receipts into records without typing every line.
다음은 단계별 사용 방법입니다.
Step 1: Find Your Xero Email Address
Go to Business, then Bills to pay, and copy your unique email.
Step 2: Forward Supplier Bills In
Forward bills and receipts to that address as they arrive.
Xero reads the supplier, date and total for you.
이것이 어떤 모습인지 보여드리겠습니다:
✓ 검문소: Forwarded bills appear as drafts with amounts already filled in.
Step 3: Check and Approve
Open each draft bill, fix any wrong field, then approve it.
✅ 결과: Paper receipts stop piling up and your bills stay current.
💡 꿀팁: Photograph receipts through the Xero mobile app on the same day. The image stays attached to the record.
How to Use Xero Multi-Currency Accounting Software
다중 통화 회계 소프트웨어 lets you invoice overseas customers and track gains from currency rate moves.
다음은 단계별 사용 방법입니다.
Step 1: Add Your Currencies
Go to Settings, Currencies, and add each currency you trade in.
Step 2: Invoice in the Buyer’s Currency
Create an invoice and switch the currency field before you send it.
이것이 어떤 모습인지 보여드리겠습니다:
✓ 검문소: The invoice total shows in the buyer currency with your base currency underneath.
Step 3: Review Currency Gains
Run the Foreign Currency Gains and Losses report each month.
✅ 결과: Overseas customers pay in their own currency while your reports stay consistent.
💡 꿀팁: Xero updates exchange rates hourly. Lock a rate on long quotes so the price does not drift.
Xero 은행 계정 조정 사용 방법
은행 계정 조정 lets you match imported bank transactions to your records in a few clicks.
다음은 단계별 사용 방법입니다.
Step 1: Connect a Bank Feed
Go to Settings, Bank Accounts, and follow the prompts to connect your bank.
Step 2: Open the Reconcile Tab
Click Reconcile items on the account tile to see suggested matches.
Xero pairs each imported line with an invoice or bill it already knows.
이것이 어떤 모습인지 보여드리겠습니다:
✓ 검문소: The unreconciled counter on the bank tile drops toward zero.
Step 3: Approve or Find a Match
Click OK on correct pairs, or use Find & Match on the rest.
✅ 결과: Your books agree with the bank, so every report you run is trustworthy.
💡 꿀팁: Create bank rules for repeat payments like rent. Xero then codes them for you every month.
How to Use Xero Automatic Invoicer
자동 청구서 발행 lets you schedule repeating invoices and payment reminders so you get paid faster.
다음은 단계별 사용 방법입니다.
1단계: 반복 청구서 생성
Open Business, Invoices, then New, then Repeating Invoice.
2단계: 일정 설정
Choose how often it repeats and whether Xero sends it automatically.
이것이 어떤 모습인지 보여드리겠습니다:
✓ 검문소: The repeating template lists a next issue date and a delivery setting.
Step 3: Switch On Payment Reminders
Go to Settings, Invoice Settings, then Invoice Reminders and enable them.
✅ 결과: Retainer clients get billed on time without you touching the invoice.
💡 꿀팁: Add PayPal or Stripe under Payment Services. A pay-now link on the invoice cuts waiting time sharply.
How to Use Xero Projects Tracker
프로젝트 추적 lets you watch time, costs and profit on every job you are running.
다음은 단계별 사용 방법입니다.
1단계: 프로젝트 생성
Open Projects, click New Project, and pick the customer it belongs to.
Step 2: Log Time and Costs
Add time entries and assign bills or expenses to the project.
이것이 어떤 모습인지 보여드리겠습니다:
✓ 검문소: The project page shows time logged, costs recorded and remaining budget.
Step 3: Check Project Profit
Open the project to compare quoted value against costs so far.
✅ 결과: You know which jobs make money and which quietly drain it.
💡 꿀팁: Start the timer in the mobile app when you begin work. Reconstructing hours later always loses billable time.
Xero 전문가를 위한 팁과 단축키
After three years of daily work in Xero, these are the shortcuts I actually use.
키보드 단축키
| 행동 | 지름길 |
|---|---|
| 오픈 글로벌 검색 | / (슬래시) |
| Create a new invoice | Type “invoice” in search, press Enter |
| Jump to bank reconciliation | Type “reconcile” in search |
| Save and add another line | Alt + S |
대부분의 사람들이 놓치는 숨겨진 기능들
- The demo company: Switch to it from the organisation menu and practise safely without touching real data.
- Bank rules: Under each bank account, set rules that code recurring transactions the moment they arrive.
- 찾기 및 매칭: Use it to split one bank payment across several bills instead of forcing a single match.
- The mobile apps: Snap receipts, check balances and approve bills from your phone while you are out.
- Xero certification: Join a free 웹 세미나 or course to build accounting knowledge and earn advisor status.
- Report favourites: Star the reports you open often and discover the custom layout editor underneath them.
Xero에서 흔히 저지르는 실수, 피해야 할 것들
Mistake #1: Reconciling Once a Quarter
❌ 틀림: Letting hundreds of bank transactions pile up before you reconcile them.
✅ 오른쪽: Reconcile weekly, if not daily. Ten minutes a week beats a lost weekend.
Mistake #2: Ignoring the Chart of Accounts
❌ 틀림: Keeping the default account codes and dumping every cost into General Expenses.
✅ 오른쪽: Rename codes to match how you actually earn and spend, so your profit and loss report means something.
Mistake #3: Sending Invoices Without Payment Options
❌ 틀림: Emailing an invoice with only bank details at the bottom.
✅ 오른쪽: Add PayPal or Stripe under Payment Services so customers can pay in one click.
Xero 문제 해결
Problem: Bank Feed Stopped Importing
원인: Your bank expired the connection or changed its 보안 규칙.
고치다: Open Settings, Bank Accounts, then click Refresh or Reconnect and log in again.
Problem: Invoice Total Does Not Match the Bank Line
원인: A card processor took a fee before the money reached your bank account.
고치다: Use Find & Match, then add a minor adjustment line for the fee.
Problem: Reports Show the Wrong Period
원인: Your financial year end date was never set correctly during setup.
고치다: Go to Settings, Advanced settings, Financial Settings, and correct the date.
📌 메모: If none of these fix your issue, contact Xero support through Xero Central.
Xero란 무엇인가요?
제로 is an online accounting software built for 소규모 사업 owners who want their finances in one place.
Think of it like a bank account that also does your 부기.
이 간단한 개요를 시청하세요:
Here is how Xero works in practice: bank transactions flow in automatically, you approve the matches, and your reports update themselves.
이 제품에는 다음과 같은 주요 기능이 포함되어 있습니다.
- 계정 대시보드: A live view of your finances, updated as bank transactions flow in
- 송장 템플릿: Branded invoice layouts you set once and reuse every day
- 고급 회계: Tax settings, chart of accounts and financial year controls
- 비즈니스 현황: Profit, loss and cash flow trends in one visual report
- 청구서 입력 자동화: Bills and receipts captured from email or your phone
- Multi-Currency Accounting Software: Invoicing and reporting in more than 160 currencies
- 은행 계정 조정: Pre-matched bank transactions you approve in bulk
- 자동 청구서 발행: Repeating invoices plus automated overdue payment reminders
- 프로젝트 진행 상황 추적: Job-level time, cost and profit tracking
자세한 내용은 저희 웹사이트를 참조하세요. Xero 리뷰.
Xero accounting software runs entirely in your browser, so you and your accountant share the same live data.
Xero 가격 책정
다음은 2026년 Xero 이용 비용입니다.
| 계획 | 가격 | 가장 적합한 대상 |
|---|---|---|
| 기동기 | 월 5.80달러 | Sole traders sending a few invoices each month |
| 기준 | 월 10달러 | Growing small business owners with regular bills and payroll |
| 프리미엄 | 월 15달러 | Businesses billing customers in more than one currency |
무료 체험: 네, 신용카드 없이 30일 동안 이용 가능합니다.
환불 보장: No refund policy, but you can cancel your plan any month.
💰 최고의 가성비: Standard — it lifts the invoice and bill caps that slow the Starter plan down.
Xero와 다른 대안 프로그램 비교
Xero는 다른 제품과 어떻게 비교될까요? 경쟁 구도는 다음과 같습니다.
| 도구 | 가장 적합한 대상 | 가격 | 평가 |
|---|---|---|---|
| 제로 | 모든 요금제에서 사용자 수 제한 없음 | 월 5.80달러 | ⭐ 4.5 |
| 퀵북스 | US tax reporting depth | 월 19달러 | ⭐ 4.4 |
| 프레시북스 | 서비스 청구서 발행 | 월 19달러 | ⭐ 4.4 |
| 조호 북스 | 예산에 민감한 팀 | 월 0달러 | ⭐ 4.4 |
| 세이지 | Stock-heavy businesses | 월 25달러 | ⭐ 4.1 |
| 파도 | 무료 기본 회계 | 월 0달러 | ⭐ 4.3 |
| 넷스위트 | Large company finance | 월 99달러 | ⭐ 4.0 |
| Expensify | Staff expense claims | 월 5달러 | ⭐ 4.4 |
빠른 추천:
- 종합 최고상: Xero — unlimited users and the smoothest bank reconciliation.
- 최고의 가성비: Wave — free for freelancers with simple finances.
- 초보자에게 가장 적합: FreshBooks — the shortest learning curve for invoicing.
- Best for stock-heavy business: Sage — deeper inventory tools than Xero offers.
🎯 Xero 대안
Xero 대안을 찾고 계신가요? 최고의 옵션들을 소개합니다:
- 🚀 세이지: Long-standing accounting software with strong stock control for product businesses.
- 💰 덱스트: Receipt capture tool that feeds clean data into Xero automatically.
- 🎨 조호 북스: Low-cost accounting with a free tier for very small business owners.
- ⚡ 시나이더: Syncs ecommerce and payment platform sales into your accounting ledger.
- 🔒 쉬운 월말: Adds structured month-end checklists on top of your accounting system.
- 🧠 도시트: AI bookkeeping that codes transactions and drafts reports for you.
- 👶 퍼즐 IO: Built for startups that want automated accounting without a bookkeeper.
- 🏢 리프레시미: Financial reporting layer for firms managing many client accounts.
- ⭐ 파도: Free invoicing and accounting for freelancers with simple finances.
- 🔧 빠르게 하다: Personal finance tracking with light small business features included.
- 📊 허브독: Document collection tool that pulls bills and statements automatically.
- 🎯 Expensify: Employee expense claims with card feeds and approval workflows.
- 🔥 퀵북스: The best-known rival, strong in the United States market.
- 💼 자동 입력: Converts scanned receipts and bills into accounting data.
- 🌟 프레시북스: Invoicing-first software loved by service-based sole traders.
- 🏢 넷스위트: Full business management suite aimed at larger, complex companies.
전체 목록은 다음을 참조하세요. Xero 대체 프로그램 가이드.
⚔️ 제로 비교
Here is how Xero stacks up against each competitor:
- Xero vs Sage: Xero is easier to learn; Sage suits complex inventory work better.
- 제로 vs 덱스트: Dext is a companion, not a rival. Many users run both together.
- Xero vs Zoho Books: Zoho Books costs less; Xero has far wider bank and apps support.
- 제로 vs 신더: Synder handles sales data; Xero remains the ledger underneath it.
- Xero vs Easy Month End: It fills a gap Xero leaves open around close-process control.
- Xero vs Docyt: Docyt automates more coding; Xero gives you more direct control.
- 제로 vs 퍼즐 IO: Puzzle suits venture-backed startups; Xero fits general small business work.
- Xero vs RefreshMe: RefreshMe reports across clients; Xero runs each set of books.
- 제로 vs 웨이브: Wave costs nothing; Xero scales when payroll and projects arrive.
- 제로 vs 퀵큰: Quicken leans personal; Xero is built for business accounting.
- Xero vs Hubdoc: Hubdoc is included with Xero plans in several regions.
- Xero vs Expensify: Expensify handles staff claims; Xero records the accounting entries.
- Xero vs QuickBooks: QuickBooks has deeper US tax tools; Xero wins on unlimited users.
- Xero vs AutoEntry: AutoEntry rivals Xero’s own bill capture rather than the whole platform.
- Xero vs FreshBooks: FreshBooks is simpler to bill with; Xero has stronger reports.
- Xero vs NetSuite: NetSuite fits enterprises; Xero costs a fraction for small business.
지금 바로 Xero를 사용해 보세요
Xero의 주요 기능을 모두 사용하는 방법을 배웠습니다.
- ✅ 계정 대시보드
- ✅ 송장 템플릿
- ✅ 고급 회계
- ✅ 사업 현황
- ✅ 청구서 입력 자동화
- ✅ Multi-Currency Accounting Software
- ✅ 은행 계정 조정
- ✅ 자동 청구서 발행
- ✅ 프로젝트 진행 상황 추적
다음 단계: 기능 하나를 선택해서 지금 바로 사용해 보세요.
Most people start with the Account Dashboard.
It takes less than five minutes, and you may even enjoy it.
Small things improve fastest here: reconcile weekly, and the rest follows.
자주 묻는 질문
Xero를 혼자서 배울 수 있을까요?
Yes. Xero Central offers free courses, webinars and practice files. Most small business owners cover the basics in a weekend and build real skills within a month.
Xero는 초보자가 사용하기 쉬운가요?
Yes. The dashboard uses plain language instead of accounting jargon. Beginners usually manage invoices and bank reconciliation on day one without formal training.
소규모 사업체가 Xero를 사용하는 방법은 무엇일까요?
Set up your organisation details, connect your bank account, then send invoices and reconcile transactions weekly. Add payroll and projects once that routine is running.
Xero를 배우는 데 얼마나 걸리나요?
Around two to six hours for daily tasks like invoices and bills. Full certification through Xero’s course program typically takes a few weeks of part-time study.
How to use Xero system?
Log in, check the dashboard, reconcile new bank transactions, approve bills, then send invoices. Run profit and loss reports monthly to check business health.
English 
Spanish 
Chinese 
German 
French 
Arabic 
Russian 
Portuguese 
Japanese 
Korean 
Italian 
Turkish 
Dutch 
Polish 
Indonesian 
Thai 
Vietnamese 