Xero Pricing 2026
Complete pricing guide with plans, hidden costs, and cost analysis
Xero costs $25/month for Early. Plans range from $25 to $90/month.
Xero costs $25 to $90 per month as of March 2026, with 3 plans available. Plans: Early at $25/month, Growing at $55/month, and Established at $90/month. Pricing depends on your chosen tier, contract length, and negotiated discounts.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: No free tier available
Xero offers 3 pricing tiers: Early, Growing, Established. Paid plans include Early at $25/month, Growing at $55/month, Established at $90/month. The Growing plan is growing small businesses.
Compared to other accounting software, Xero is positioned at the mid-market price point.
- Median contract: $660/yr from 0 purchases
- Average negotiated discount: 92%
- 5 documented hidden costs beyond list price
- G2 rating: 4.5/5 from 24 reviews
How much does Xero cost?
Xero Pricing Overview
Xero has 3 pricing plans ranging from $25 to $90/month. The Early plan costs $25/month, best for solopreneurs and freelancers. The Growing plan costs $55/month, best for growing small businesses. The Established plan costs $90/month, best for established businesses.
Xero with a Monthly subscription minimum commitment.
The median Xero customer pays $660/year, with an average 92% discount available through negotiation.
There are at least 5 documented hidden costs beyond Xero's list price, including implementation, training, and add-on fees.
This pricing was last verified in February 22, 2026 from 10 independent sources.
Xero is a cloud-based accounting platform known for its clean interface, unlimited user model, and strong integration ecosystem with over 1,000 apps. Popular with small businesses globally, Xero offers three straightforward pricing tiers.
Unlike competitors, Xero does not charge per user, making it cost-effective for growing teams. All plans include bank reconciliation, invoicing, and 1099 reporting, with higher tiers adding multi-currency and project tracking.
How Xero Pricing Compares
Compare Xero pricing against top alternatives in Accounting.
All Xero Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Early invoices: 20bills: 5 | $25 /month | $300 /year | Solopreneurs and freelancers |
| Growing | $55 /month | $660 /year | Growing small businesses |
| Established | $90 /month | $1080 /year | Established businesses |
View all features by plan
Early
- Send quotes and 20 invoices
- Enter 5 bills
- Reconcile bank transactions
- View real-time reports
- Use multiple currencies
- Track projects
Growing
- Early plan features
- Accept online invoice payments
- Make online bill payments
- Capture bills and receipts with Hubdoc
- Auto-reconcile
- Visualize performance with graphs
- Sales tax
Established
- Growing plan features
- Customize performance dashboards
- Tailored financial health scorecards
- Analyze KPIs and ratios
- Forecast cash flow (180 day)
- W-9 + 1099 management
- Claim expenses
Compare Xero vs Alternatives
Before committing to Xero, compare pricing with these 3 alternatives in the same category.
What Companies Actually Pay for Xero
The median Xero buyer pays $660/year based on 0 verified purchase transactions, with an average 92% savings through negotiation.
with negotiation
Xero Year 1 Total Cost by Company Size
Real deployment costs including licenses, implementation, training, and admin — not just the sticker price.
A designer sending under 20 invoices per month with simple expense tracking
A consulting firm with 10 employees needing unlimited invoicing and bill management
An online store with multi-currency transactions and project-based work
A marketing agency tracking time and profitability across client projects
Individual freelancer or very small business with basic invoicing and expense tracking needs on the Early plan
Small business with moderate transaction volume needing invoicing, bank reconciliation, and basic reporting on the Growing plan
Established business requiring advanced features, multi-currency support, and detailed financial reporting on the Established plan
Small business needing accounting plus payroll management through Gusto integration
How Xero Pricing Compares
| Software | Starting Price | Top Price |
|---|---|---|
| Xero | $25/month | $90/month |
| FreshBooks | $6/month | $250/month |
| QuickBooks Online | $20/month | $275/month |
| Sage Accounting | $10/month | $62/month |
| Zoho Books | Free | $70/month |
Xero Contract Terms
Xero contracts do not auto-renew. Changes require advance notice. These terms are sourced from verified buyer experiences.
Users can switch between plans, but some reviews mention pricing increases over time
How to Negotiate Xero Pricing
Xero contracts are negotiable — buyers save an average of 92% off list price. These 5 tactics are sourced from real buyer experiences and procurement specialists.
Sign up through a certified Xero partner or accountant to receive 30%+ off standard pricing. Xero's partner program offers significant discounts that are not available to direct subscribers.
Xero partner program published termsWait for Xero's periodic promotional offers (common at fiscal year-end and during tax season) which frequently offer 75% off for the first 3-6 months.
Xero promotional landing pagesBegin with the Early plan ($25/month) and only upgrade when you hit limits. This avoids overpaying for features you do not yet need and gives you data to negotiate when upgrading.
standard SaaS practiceXero's Partner Program gives accountants and bookkeepers wholesale pricing (up to 50% off) for client subscriptions. If you work with an accountant who is a Xero partner, access your subscription through their partner discount rather than purchasing directly.
Xero Partner ProgramReference QuickBooks Online pricing ($30-200/month) and FreshBooks ($19-60/month) when negotiating. Xero's retention team may offer loyalty discounts if you indicate you are evaluating alternatives.
standard SaaS negotiation practicePrice History
Track how Xero pricing has changed over time.
Xero Pricing FAQ
01 How much does Xero cost per month?
Xero costs $15/month for Early, $47/month for Growing, and $80/month for Established in the US. All plans include unlimited users.
02 Does Xero charge per user?
No, Xero includes unlimited users on all plans at no extra cost. This is a key advantage over competitors like QuickBooks that limit users by tier.
03 Is there a free version of Xero?
Xero does not have a free tier, but offers a 30-day free trial. New customers can get up to 90% off for the first 6 months with promotional codes.
04 Does Xero include payroll?
Xero does not include built-in payroll in the US. You need to integrate with Gusto or other payroll providers, which adds $40+/month to your costs.
05 Can I pay for Xero annually?
No, Xero only offers monthly billing. There is no annual subscription discount option.
06 What is the difference between Xero Growing and Established?
Established adds multi-currency support, project tracking, expense claims, and advanced analytics. Growing is best for domestic businesses; Established for international operations.
07 Can I use Xero offline?
No, Xero is a cloud-based platform that requires internet connectivity to access. There is no offline mode available, which means you must have a stable internet connection to work in Xero.
08 What plan do I need for multi-currency support?
Multi-currency support is available on the Established plan at $90/month. The Early and Growing plans do not include this feature, so if you operate internationally or deal with foreign currencies, you'll need the top-tier plan.
09 Does Xero handle inventory management?
Xero includes basic inventory tracking, but it's limited for businesses with complex inventory needs. For manufacturing, multi-warehouse, or advanced inventory management, you'll need to integrate third-party inventory software costing $200-$1,000+ per month.
10 Are there discounts available for Xero?
Xero offers discounts through certified partner accountants and bookkeepers who can pass along 30%+ savings to clients. There are also promotional periods offering discounts like 90% off for the first 6 months. Check with Xero-certified accountants or during promotional periods for the best pricing.
11 How does Xero pricing compare to QuickBooks?
Xero's Growing plan at $55/month is comparable to QuickBooks Essentials. However, when accounting for firm-billed discounts that accountants receive, the effective cost can be similar. QuickBooks offers more built-in features at entry levels, while Xero requires more integrations for comprehensive functionality.
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