2026年小型企业如何使用Xero？

快速入门

本指南涵盖了Xero的所有功能：

• 入门 — Create your account and set up the basics
• 如何使用账户仪表盘 — See your cash flow, bank account balances and unpaid bills on one screen
• 如何使用发票模板 — Send professional-looking invoices that carry your own branding and logo
• 如何使用高级会计软件 — Set tax rules, your chart of accounts and financial year end date
• 如何使用业务快照 — Read profit, loss and expense trends without building reports by hand
• 如何使用自动账单录入功能 — 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
• 如何使用银行对账 — Match imported bank transactions to your records in a few clicks
• 如何使用自动开票功能 — Schedule repeating invoices and payment reminders so you get paid faster
• 如何使用跟踪项目 — Watch time, costs and profit on every job you are running

所需时间： 每部影片 5 分钟

本指南还包含以下内容： 专业提示 | 常见错误 | 故障排除 | 定价 | 替代方案

为什么信任本指南

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 会计 software options available today.

But most users only ever touch invoices and stop there.

本指南将向您展示如何使用所有主要功能。

一步一步教你，附带截图和专业技巧。

Xero教程

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.

Xero

Stop guessing where your money went. Xero pulls bank transactions in automatically, chases unpaid invoices for you, and gives small 商业 owners a clear picture of cash flow every day. Unlimited users on every plan.

立即试用 XERO →

阅读完整评测 →

XERO 替代方案 →

Xero入门指南

在使用任何功能之前，请先完成此一次性设置。

大约需要三分钟。

Here is what the first week looked like for me:

现在让我们一步一步来。

第一步：创建您的帐户

Go to the Xero website and click Start Free Trial.

请输入您的电子邮件地址并创建密码。

✓ 检查点： 检查你的 收件箱 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:

✓ 检查点： 你的 商业 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.

如何使用 Xero 账户仪表盘

账户仪表盘 lets you see your cash flow, bank account balances and unpaid bills on one screen.

以下是使用步骤。

步骤 1：打开仪表盘

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.

这就是它的样子：

✓ 检查点： 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.

如何使用Xero发票模板

发票模板 lets you send professional-looking invoices that carry your own branding and logo.

以下是使用步骤。

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.

这就是它的样子：

✓ 检查点： Your logo sits at the top of the preview with your business details below.

步骤 3：保存并预览

Hit Save, then preview the theme on a draft invoice.

如何使用 Xero 高级会计软件

先进的 会计 lets you set tax rules, your chart of accounts and financial year end date.

以下是使用步骤。

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.

这就是它的样子：

✓ 检查点： 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.

How to Use Xero Business Snapshots

商业概况 lets you read profit, loss and expense trends without building reports by hand.

以下是使用步骤。

步骤 1：打开“报告”菜单

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.

这就是它的样子：

✓ 检查点： Profitability and cash panels fill with your own figures, not sample 数据.

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.

How to Use Xero Auto Bill Entry

自动录入账单 lets you turn supplier bills and receipts into records without typing every line.

以下是使用步骤。

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.

这就是它的样子：

✓ 检查点： 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.

How to Use Xero Multi-Currency Accounting Software

多币种 会计软件 lets you invoice overseas customers and track gains from currency rate moves.

以下是使用步骤。

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.

这就是它的样子：

✓ 检查点： 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.

如何使用 Xero 银行对账

银行对账 lets you match imported bank transactions to your records in a few clicks.

以下是使用步骤。

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.

这就是它的样子：

✓ 检查点： 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.

How to Use Xero Automatic Invoicer

自动开票 lets you schedule repeating invoices and payment reminders so you get paid faster.

以下是使用步骤。

第一步：创建重复发票

Open Business, Invoices, then New, then Repeating Invoice.

步骤二：设定时间表

Choose how often it repeats and whether Xero sends it automatically.

这就是它的样子：

✓ 检查点： 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.

How to Use Xero Projects Tracker

跟踪项目 lets you watch time, costs and profit on every job you are running.

以下是使用步骤。

步骤 1：创建项目

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.

这就是它的样子：

✓ 检查点： 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.

Xero 专业技巧和快捷键

After three years of daily work in Xero, these are the shortcuts I actually use.

键盘快捷键

大多数人错过的隐藏功能

• 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.
• 查找和匹配： 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 网络研讨会 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.

避免Xero常见错误

Mistake #1: Reconciling Once a Quarter

Mistake #2: Ignoring the Chart of Accounts

Mistake #3: Sending Invoices Without Payment Options

Xero故障排除

Problem: Bank Feed Stopped Importing

原因： Your bank expired the connection or changed its 安全 规则。

使固定： Open Settings, Bank Accounts, then click Refresh or Reconnect and log in again.

Problem: Invoice Total Does Not Match the Bank Line

原因： A card processor took a fee before the money reached your bank account.

使固定： Use Find & Match, then add a minor adjustment line for the fee.

Problem: Reports Show the Wrong Period

原因： Your financial year end date was never set correctly during setup.

使固定： Go to Settings, Advanced settings, Financial Settings, and correct the date.

📌 笔记： If none of these fix your issue, contact Xero support through Xero Central.

Xero是什么？

Xero is an online accounting software built for 小型企业 owners who want their finances in one place.

Think of it like a bank account that also does your 簿记.

观看这段快速概览：

Here is how Xero works in practice: bank transactions flow in automatically, you approve the matches, and your reports update themselves.

它包含以下主要特点：

• 账户仪表盘： A live view of your finances, updated as bank transactions flow in
• 发票模板： Branded invoice layouts you set once and reuse every day
• 高级会计： Tax settings, chart of accounts and financial year controls
• 商业概况： Profit, loss and cash flow trends in one visual report
• 自动录入账单： Bills and receipts captured from email or your phone
• Multi-Currency Accounting Software: Invoicing and reporting in more than 160 currencies
• 银行对账： Pre-matched bank transactions you approve in bulk
• 自动开票： Repeating invoices plus automated overdue payment reminders
• 跟踪项目： Job-level time, cost and profit tracking

如需完整评测，请参阅我们的 Xero 评测.

Xero accounting software runs entirely in your browser, so you and your accountant share the same live data.

Xero定价

以下是Xero在2026年的费用：

免费试用： 是的，30天内无需信用卡。

退款保证： No refund policy, but you can cancel your plan any month.

💰 性价比最高： Standard — it lifts the invoice and bill caps that slow the Starter plan down.

Xero 与其他替代方案的比较

Xero 与其他公司相比如何？以下是竞争格局：

快速精选：

• 综合最佳： Xero — unlimited users and the smoothest bank reconciliation.
• 最佳预算： Wave — free for freelancers with simple finances.
• 最适合初学者： FreshBooks — the shortest learning curve for invoicing.
• Best for stock-heavy business: Sage — deeper inventory tools than Xero offers.

🎯 Xero 的替代方案

正在寻找 Xero 的替代方案？以下是一些最佳选择：

• 🚀 圣人： Long-standing accounting software with strong stock control for product businesses.
• 💰 右手： Receipt capture tool that feeds clean data into Xero automatically.
• 🎨 Zoho Books： Low-cost accounting with a free tier for very small business owners.
• ⚡ 辛德： Syncs ecommerce and payment platform sales into your accounting ledger.
• 🔒 轻松月末: Adds structured month-end checklists on top of your accounting system.
• 🧠 多西特: AI bookkeeping that codes transactions and drafts reports for you.
• 👶 Puzzle IO: Built for startups that want automated accounting without a bookkeeper.
• 🏢 刷新我: Financial reporting layer for firms managing many client accounts.
• ⭐ 海浪： Free invoicing and accounting for freelancers with simple finances.
• 🔧 加速: Personal finance tracking with light small business features included.
• 📊 Hubdoc: Document collection tool that pulls bills and statements automatically.
• 🎯 Expensify： Employee expense claims with card feeds and approval workflows.
• 🔥 QuickBooks： The best-known rival, strong in the United States market.
• 💼 自动输入: Converts scanned receipts and bills into accounting data.
• 🌟 FreshBooks： Invoicing-first software loved by service-based sole traders.
• 🏢 NetSuite： Full business management suite aimed at larger, complex companies.

完整列表请参见我们的 Xero的替代方案 指导。

⚔️ Xero 对比

Here is how Xero stacks up against each competitor:

• Xero 对比 Sage: Xero is easier to learn; Sage suits complex inventory work better.
• Xero 对比 Dext: Dext is a companion, not a rival. Many users run both together.
• Xero 与 Zoho Books 的比较: Zoho Books costs less; Xero has far wider bank and apps support.
• Xero vs Synder: Synder handles sales data; Xero remains the ledger underneath it.
• Xero 与 Easy Month End 对比: It fills a gap Xero leaves open around close-process control.
• Xero vs Docyt: Docyt automates more coding; Xero gives you more direct control.
• Xero vs Puzzle 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.
• Xero vs Wave: Wave costs nothing; Xero scales when payroll and projects arrive.
• Xero 对比 Quicken: Quicken leans personal; Xero is built for business accounting.
• Xero 与 Hubdoc 对比: Hubdoc is included with Xero plans in several regions.
• Xero 与 Expensify 对比: Expensify handles staff claims; Xero records the accounting entries.
• Xero 与 QuickBooks 的比较: QuickBooks has deeper US tax tools; Xero wins on unlimited users.
• Xero 对比 AutoEntry: AutoEntry rivals Xero’s own bill capture rather than the whole platform.
• Xero 与 FreshBooks 的比较: FreshBooks is simpler to bill with; Xero has stronger reports.
• Xero 与 NetSuite 对比: NetSuite fits enterprises; Xero costs a fraction for small business.

立即开始使用 Xero

您已学会如何使用 Xero 的所有主要功能：

• ✅ 账户仪表盘
• ✅ 发票模板
• ✅ 高级会计
• ✅ 业务概览
• ✅ 自动录入账单
• ✅ Multi-Currency Accounting Software
• ✅ 银行对账
• ✅ 自动开票
• ✅ 跟踪项目

下一步： 选择一项功能，立即试用。

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.

常见问题解答

我可以自学Xero吗？

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.

Xero对新手来说容易上手吗？

Yes. The dashboard uses plain language instead of accounting jargon. Beginners usually manage invoices and bank reconciliation on day one without formal training.

小型企业如何使用 Xero？

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.

学习Xero需要多长时间？

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.