Xero Pricing 2026
Complete pricing guide with plans, hidden costs, and negotiation tips
Xero pricing varies by team size and features, ranging from $25 to $90 per month in 2026. Your actual cost depends on the tier you choose, 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
- Billing: Monthly and annual (save 15-20%)
- Hidden costs: Add ~35% for implementation, support, and training
Xero offers 3 pricing tiers: Early, Growing, Established. Standard paid plans include Early at $25/month, Growing at $55/month, Established at $90/month. The Growing plan is growing businesses automating financial tasks.
Compared to other accounting software, Xero is positioned at the mid-market price point.
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.
All Xero Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Early invoices_per_month: 20bills_per_month: 5 | $25 /month | $300 /month | Small businesses tracking cash flow |
| Growing cash_flow_forecast_days: 30 | $55 /month | $660 /month | Growing businesses automating financial tasks |
| Established cash_flow_forecast_days: 180 | $90 /month | $1080 /month | Established businesses with advanced analytics needs |
View all features by plan
Early
- Track cash flow with essentials
- Send quotes and 20 invoices
- Enter 5 bills
- Reconcile bank transactions
- View real-time reports
Growing
- Automate tasks and access performance dashboards
- Accept online invoice payments
- Make online bill payments
- Capture bills and receipts with Hubdoc
- Sales tax management
- Use multiple currencies
- Track projects
- Claim expenses
Established
- Advanced tools and analytics
- Customize performance dashboards
- Tailored financial health scorecards
- Analyze KPIs and ratios
- 180 day cash flow forecast
- Inventory Plus (optional)
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Frequently Asked Questions
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.