Xero is a cloud-based accounting software designed for small businesses and accounting professionals. It helps you manage invoices, track expenses, reconcile bank accounts, and generate financial reports, ultimately helping you make informed financial decisions and improve your business’s bottom line. Xero integrates with various apps and offers different plans to suit your needs. While not directly a money-making tool itself, using Xero efficiently improves your business’s financial management, leading to better profitability and potentially higher earnings.