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 — 创建账户和基本设置
• 如何使用账户仪表盘 — Get a clear picture of your finances at a glance
• 如何使用发票模板 — Create professional invoices for customers
• 如何使用银行对账 — Reconcile transactions from your bank account
• 如何使用自动开票功能 — Set up recurring invoices and payment reminders
• 如何使用业务快照 — Understand profit and loss reports instantly
• 如何使用自动账单录入功能 — Save time on bills and receipts
• 如何使用多币种会计 — Handle transactions in multiple currencies
• 如何使用跟踪项目 — 监控项目成本和盈利能力

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

我使用 Xero 已经两年多了，并且测试过这里提到的所有功能。本教程源于真实的实践经验，而非营销噱头或供应商截图。

Xero is one of the most powerful 会计 software tools available today for small business owners.

But most users only scratch the surface of what Xero works to deliver.

This guide shows you how to use Xero step by step.

Follow along with screenshots and pro tips to improve your skills.

Xero教程

This complete Xero tutorial walks you through every feature step by step, from initial setup to advanced tips that will help you manage your 商业 finances like a pro.

Xero

Get a clear picture of your cash flow with Xero 会计 software. Connect your bank account, send invoices, reconcile transactions, and run reports — all from one Xero dashboard. Try free for 30 days.

立即试用 XERO →

阅读完整评测 →

XERO 替代方案 →

Xero入门指南

使用任何功能之前，请先完成此一次性设置。

It takes about 3 minutes to get started with Xero.

让我们一步一步来。

第一步：创建您的帐户

Go to Xero’s website and click “Try Xero for free.”

请输入您的电子邮件地址并创建密码。

Sign up for a Xero account and fill in your company’s name, address, tax info, and logo in the Organization Settings.

✓ 检查点： 检查你的 收件箱 您将收到来自 Xero 的确认邮件。

Step 2: Set Up Your Organization Details

Setting up your organisation details is essential for issuing invoices.

Go to Settings and add your company branding for invoices.

The Xero dashboard displays your bank balances, outstanding invoices, and bills due at a glance.

✓ 检查点： You should see the main dashboard with your business name displayed.

步骤 3：关联您的银行账户

To set up your bank account feeds, go to Settings, then Bank Accounts, and follow the prompts to connect your bank.

Xero is linked to your bank account so transactions flow in automatically.

You can also set up your financial details to include tax settings and financial year end date.

如何使用 Xero 账户仪表盘

账户仪表盘 lets you see a clear picture of your finances with bank transactions flowing in automatically.

以下是使用步骤。

Watch Account Dashboard in action:

现在让我们逐一分析每个步骤。

第一步：访问控制面板

Log in to your Xero account and you’ll land on the dashboard.

The Xero dashboard provides a current view of your finances at a glance.

第二步：审查您的现金流

Check the cash flow panel to see money in and money out.

这就是它的样子：

✓ 检查点： You should see your bank balance and recent transactions displayed.

Step 3: Customize Your View

Click the settings icon to add or remove dashboard widgets.

You can customize performance dashboards to display the 数据 most relevant to your business.

如何使用Xero发票模板

发票模板 lets you create professional-looking invoices and send automated reminders for overdue payments.

以下是使用步骤。

Watch Invoice Templates in action:

现在让我们逐一分析每个步骤。

Step 1: Navigate to Invoicing

Click Business in the menu, then select Invoices.

You can set up your company’s branding for invoices by going to Settings, then Invoice Settings.

步骤二：创建新发票

Click “New Invoice” and add your customer details.

Xero enables users to add contacts and view their invoice and payment history.

✓ 检查点： You should see the invoice form with your branding applied.

Step 3: Add Line Items and Send

Enter the services or products you’re billing for.

Xero allows users to set up payment services like PayPal and Stripe to give customers various payment options.

To add payment services, go to Settings, then Invoice Settings, then Payment Services.

如何使用 Xero 银行对账

银行对账 lets you match transactions from your bank account with entries in Xero to keep your accounts accurate.

以下是使用步骤。

Watch Bank Reconciliation in action:

现在让我们逐一分析每个步骤。

Step 1: Access Bank Reconciliation

Click on Accounting in the menu, then select Bank Accounts.

Choose the bank account you want to reconcile.

步骤 2：匹配交易

Xero makes bank reconciliation easier by automatically pulling transactions from connected bank accounts.

You can approve pre-matched items with a single click.

Use the “Find & Match” tool to automate the categorization of recurring transactions.

✓ 检查点： You should see your bank transactions listed with suggested matches.

Step 3: Confirm and Reconcile

Review each match and click OK to confirm.

You should reconcile your bank transactions weekly, if not daily, to ensure your accounts are accurate.

如何使用 Xero 自动开票

自动开票 lets you set up recurring invoices for repeat clients so you never miss a billing cycle.

以下是使用步骤。

Watch Automatic Invoicing in action:

现在让我们逐一分析每个步骤。

第一步：创建重复发票

Go to Business, then Invoices, then click Repeating.

Click “New Repeating Invoice” to set up automatic billing.

Step 2: Configure the Schedule

Set the frequency — weekly, monthly, or custom intervals.

Choose whether to send automatically or save as drafts for review.

✓ 检查点： You should see the schedule preview showing future invoice dates.

步骤三：保存并激活

Review the details and click Approve to activate the recurring invoice.

Xero will handle billing for this customer automatically from now on.

如何使用 Xero Business Snapshot

商业概况 lets you understand your profit and loss at a glance with visual reports.

以下是使用步骤。

Watch Business Snapshot in action:

现在让我们逐一分析每个步骤。

第一步：访问报告

Click Accounting in the menu, then select Reports.

Find Business Snapshot in the list of available reports.

第二步：审查关键指标

Use Xero’s reporting features to generate key financial reports such as profit and loss statements.

The snapshot shows income, expenses, and net profit in one view.

✓ 检查点： You should see a summary of your business performance.

Step 3: Drill Into Details

Click on any metric to see the underlying transactions.

You can access detailed data on income, expenses, and cash position.

如何使用 Xero 自动录入账单

自动录入账单 lets you capture bills and receipts automatically with Hubdoc 一体化。

以下是使用步骤。

Watch Automate Bill Entry in action:

现在让我们逐一分析每个步骤。

Step 1: Connect Hubdoc

Hubdoc is included with your Xero plan at no extra cost.

Go to Settings and connect your Hubdoc account.

第二步：上传账单和收据

Take a photo of your receipts or forward email bills to Hubdoc.

Hubdoc extracts the details and pushes them to Xero automatically.

✓ 检查点： You should see the bill appear in your Xero inbox.

步骤三：审核与批准

Record and track all your business purchases and bills in Xero.

Review the extracted data and click Approve to add it to your accounts.

如何使用Xero多币种会计功能

Multi-Currency Accounting Software lets you handle transactions in multiple currencies with automatic exchange rate updates.

以下是使用步骤。

Watch Multi-Currency Accounting in action:

现在让我们逐一分析每个步骤。

步骤 1：启用多币种

Go to Settings, then General Settings, then Currencies.

Add the currencies you work with.

Step 2: Set Up Currency on Contacts

Edit your customer or supplier contact and assign their currency.

Xero will use this currency by default for all transactions with that contact.

✓ 检查点： You should see the currency displayed on the contact profile.

Step 3: Create Foreign Currency Transactions

When you create an invoice or bill, Xero applies the correct exchange rate.

Exchange rates update automatically so your reports stay accurate.

如何使用 Xero Track Projects

跟踪项目 lets you monitor project costs, time, and profitability in one place.

以下是使用步骤。

Watch Track Projects in action:

现在让我们逐一分析每个步骤。

步骤 1：创建新项目

Go to Business, then Projects, then click New Project.

Enter the project name and assign it to a customer.

Step 2: Add Time and Expenses

Log time entries against the project as work is completed.

Assign bills and expenses to track project costs.

✓ 检查点： You should see time and costs accumulating on the project.

Step 3: Review Profitability

Check the project dashboard to see profit margins.

Use this knowledge to improve pricing on future projects.

如何使用 Xero 高级会计软件

高级会计 lets you customize your Chart of Accounts and set up tracking categories for detailed reporting.

以下是使用步骤。

Watch Advanced Accounting in action:

现在让我们逐一分析每个步骤。

Step 1: Customize Chart of Accounts

Go to Accounting, then Chart of Accounts.

Customize the default Chart of Accounts to categorize income and expenses accurately.

Step 2: Set Up Tracking Categories

Add tracking categories for departments, locations, or projects.

This helps you discover detailed insights in your reports.

✓ 检查点： You should see tracking options appear when entering transactions.

Step 3: Run Advanced Reports

Generate profit and loss by tracking category to understand performance by segment.

Use this system to grow your business with better financial knowledge.

Xero 专业技巧和快捷键

After testing Xero for over two years, here are the most important things I’ve learned to improve your practice.

键盘快捷键

大多数人错过的隐藏功能

• 银行规则： Set up rules to auto-categorize recurring transactions and save hours on reconciliation each week.
• Xero Certification: Join Xero’s certification program to learn the system in depth — users can complete courses or webinars to achieve Xero certification.
• 用户权限： You can add users at Settings then Users to give access to your accountant, bookkeeper, and other stakeholders with set individual permissions.

避免Xero常见错误

错误一：没有定期对账

Mistake #2: Not Using Bank Rules

Mistake #3: Not Inviting Your Accountant

Xero故障排除

问题：银行账户信息未更新

原因： Your bank connection may have expired or need reauthentication.

使固定： Go to Settings, then Bank Accounts, and reconnect your bank. Most banks require reconnection every 90 days.

Problem: Invoice Not Matching Payment

原因： The payment amount doesn’t exactly match the invoice amount.

使固定： Use the Find & Match feature in bank reconciliation to link partial payments or payments covering multiple invoices.

Problem: Reports Show Incorrect Balances

原因： Unreconciled transactions or missing entries affecting your balance sheet.

使固定： Check for unreconciled items and ensure all bank accounts are fully reconciled before running reports.

📌 笔记： If none of these fix your issue, contact Xero support — they offer 24/7 online support.

Xero是什么？

Xero is an online accounting software designed for 小型企业 that helps you manage your finances in one place.

Think of it like a command center for running your business finances — invoices, bills, bank transactions, payroll, and reports all connected.

观看这段快速概览：

它包含以下主要特点：

• 账户仪表盘： See a clear picture of your cash flow and finances at a glance.
• 发票模板： Create professional-looking invoices and send automated reminders.
• 银行对账： Connect your bank account and reconcile transactions automatically.
• 自动开票： 为回头客设置定期发票。
• 商业概况： Understand profit, loss, and business performance with visual reports.
• Bill Entry 自动化: Capture receipts and bills automatically with Hubdoc.
• Multi-Currency: Handle transactions in multiple currencies for international business.
• 跟踪项目： Monitor project costs, time, and profitability.

Xero simplifies payroll management by keeping payroll costs in one place and allowing users to monitor staff costs easily.

Xero provides recommended courses to help users learn about its features and functionalities.

如需完整评测，请参阅我们的 Xero 评测.

Xero定价

以下是Xero在2026年的费用：

免费试用： Yes — 30 days free trial plus one month free when you subscribe.

退款保证： 不予退款，但您可以随时取消。

💰 性价比最高： Standard plan at $10/mo — great features at an affordable price makes it the sweet spot for most 小型企业 业主。

Xero 与其他替代方案的比较

How does Xero compare? Here’s the competitive landscape for accounting software:

快速精选：

• 综合最佳： Xero — unlimited users and excellent for growing businesses
• 最佳预算： Wave — completely free accounting for solopreneurs
• 最适合初学者： FreshBooks — simple interface and excellent invoicing
• 最适合美国薪资管理： QuickBooks — strong payroll and tax integration

🎯 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： Powerful accounting for growing businesses with complex needs and advanced inventory options.
• 💰 右手： Excellent for automating receipt capture and bill entry with AI-powered data extraction.
• 🎨 Zoho Books： Affordable option with strong automation and excellent value for small teams.
• ⚡ 辛德： Perfect for e-commerce businesses needing multi-channel sales reconciliation.
• 🔒 轻松结束月末： Specialized for 会计师 needing efficient month-end close workflows.
• 🧠 Docyt： AI-powered accounting automation for real-time 簿记 and insights.
• 👶 Puzzle IO: Great for startups wanting collaborative accounting with investor reporting.
• 🏢 刷新我: Ideal for businesses needing automated financial statement preparation.
• 🔧 海浪： Best free option for solopreneurs and freelancers on a tight budget.
• 🌟 加速: Strong personal finance tool that works for small business accounting too.
• ⭐ Hubdoc： Included with Xero for free, but also works standalone for document collection.
• 🎯 Expensify： Leading expense management tool with excellent receipt scanning.
• 💼 QuickBooks： Industry standard with excellent US payroll and tax integration.
• 📊 自动输入: Powerful data extraction for automating bookkeeping data entry.
• 🔥 FreshBooks： Beautiful interface with the best invoicing features for service businesses.
• 🏆 NetSuite： Enterprise-grade ERP for large businesses needing advanced accounting.

完整列表请参见我们的 Xero的替代方案 指导。

⚔️ Xero 对比

以下是Xero与各竞争对手的对比：

• Xero 对比 Sage: Xero is more user-friendly; Sage offers more advanced features for complex businesses.
• Xero 对比 Dext: Dext focuses on receipt capture; Xero is full accounting software — they work great together.
• Xero 与 Zoho Books 的比较: Xero has better bank feeds and more app integrations; Zoho Books is more affordable.
• Xero vs Synder: Synder specializes in e-commerce sync; Xero is better for general small business accounting.
• Xero 与 Easy Month End 对比: Easy Month End is for accountants’ workflows; Xero is for business owners.
• Xero vs Docyt: Docyt has stronger AI automation; Xero has a larger app marketplace and user base.
• Xero vs Puzzle IO： Puzzle IO targets startups with investor reporting; Xero suits broader small business needs.
• Xero vs RefreshMe: RefreshMe focuses on financial statements; Xero covers full day-to-day accounting.
• Xero vs Wave: Wave is free but limited; Xero offers more features and better bank reconciliation.
• Xero 对比 Quicken: Quicken is more for personal finance; Xero is built for business accounting.
• Xero 与 Hubdoc 对比: Hubdoc is included free with Xero — they’re designed to work together.
• Xero 与 Expensify 对比: Expensify excels at expense tracking; Xero is full accounting software.
• Xero 与 QuickBooks 的比较: Xero has unlimited users; QuickBooks has better US payroll integration.
• Xero 对比 AutoEntry: AutoEntry is for data extraction; Xero is complete accounting — they integrate well.
• Xero 与 FreshBooks 的比较: FreshBooks has better invoicing UI; Xero has stronger accounting features.
• Xero 与 NetSuite 对比: NetSuite is enterprise-grade; Xero is better for small to medium businesses.

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
• ✅ 银行对账
• ✅ 自动开票
• ✅ 业务概览
• ✅ 自动录入账单
• ✅ 多币种会计
• ✅ 跟踪项目
• ✅ 高级会计

下一步： 选择一项功能，立即试用。

Most people start with the Account Dashboard to get a clear picture of their finances.

It takes less than 5 minutes to set up and enjoy the benefits.

常见问题解答

我可以自学Xero吗？

Yes, you can learn Xero by yourself. Xero provides recommended courses to help users learn about its features. You can complete courses or webinars to achieve Xero certification. The system is designed to be user-friendly for small business owners without accounting experience.

Xero对新手来说容易上手吗？

Yes, Xero is easy to use for beginners. The Xero dashboard provides a clear picture of your finances with an intuitive layout. Most users can set up their account and send their first invoice within 30 minutes. The interface is designed to help you understand your business finances without accounting knowledge.

小型企业如何使用 Xero？

To use Xero as a small business, start by connecting your bank account and setting up your organization details. Then use Xero to send invoices to customers, track bills you need to pay, and reconcile your bank transactions regularly. The system helps you maintain accurate accounts and generate reports for your accountant or bookkeeper.

学习Xero需要多长时间？

Most users can learn the basics of Xero in a few hours. Getting comfortable with all features typically takes 1-2 weeks of regular use. Xero offers webinars and events for users to sign up and learn more. For advanced skills, you can join Xero’s certification program to become a Xero certified advisor.

Xero比QuickBooks好吗？

Xero and QuickBooks both have strengths. Xero offers unlimited users on all plans and is often considered more user-friendly. QuickBooks has better US payroll integration and phone support. For small business owners outside the US or those wanting unlimited user access, Xero is often the better choice. Check your specific needs to find the best fit.