Xero Pricing 2026

Xero costs $25/month for Early, $55/month for Growing, and $90/month for Established. Annual billing works out to $300, $660, and $1,080 per year respectively. All plans include unlimited users — Xero does not charge per seat. The Early plan caps usage at 20 invoices and 5 bills per month; Growing and Established remove those limits.

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.

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.

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.

No, Xero only offers monthly billing. There is no annual subscription discount option.

Established adds multi-currency support, project tracking, expense claims, and advanced analytics. Growing is best for domestic businesses; Established for international operations.

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.

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.

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.

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.

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.

No, Xero does not offer a free plan. Pricing starts at $25/month for the Early plan. However, Xero occasionally offers discounted introductory rates for new customers.

Xero has a partnership with Gusto for payroll services, rather than offering its own built-in payroll like QuickBooks does.

Xero tracks sales tax automatically across line items, but it does not file returns for you. For US filing, most users connect Xero to Avalara (around $50-$300/month), TaxJar ($19-$99/month), or Anrok via the app marketplace. The US edition of Xero includes sales-tax tracking on all three plans (Early, Growing, Established) at no extra cost — you only pay the third-party filing service if you want returns submitted automatically.

Yes — Gusto is Xero's official US payroll partner and is bundled into the navigation as 'Payroll'. Gusto starts at $49/month + $6/employee on the Simple plan, billed separately from your Xero subscription. The two-way sync pushes payroll journals into Xero automatically. Xero does not include native US payroll on any plan, so Gusto (or another integrated provider like ADP RUN, OnPay, or SurePayroll) is required if you run payroll in the United States.

Xero itself charges nothing for app marketplace connections, but most apps carry their own subscription. Common add-ons include: Hubdoc (free with Growing/Established, $12/month standalone), Stripe (2.9% + 30¢ per transaction), A2X for ecommerce ($19-$249/month), Dext for receipts ($24-$80/month), and inventory tools like Cin7 or Unleashed ($349-$1,000+/month). Plan on a realistic $50-$200/month in app costs on top of the Xero base price for a typical small-business stack.

Xero itself does not charge a currency-conversion margin — it pulls daily rates from Open Exchange Rates and records gain/loss automatically. However, the multi-currency feature is only included on the Established plan ($90/month). The actual conversion cost comes from your payment processor: Stripe charges 1% on currency conversion plus the standard 2.9% + 30¢, and Wise (formerly TransferWise) charges 0.4-0.6%. If you invoice internationally on Growing or Early, you can record foreign-currency invoices but cannot mark them paid in the original currency.

Yes — Xero has a separate Partner Program for accountants and bookkeepers, and a partner can give you their subscription at a 30%+ discount or include it as part of their service fee. All Xero plans include unlimited users at no extra cost, so you can also invite your accountant directly as an Adviser without paying anything additional. This is a meaningful difference from QuickBooks Online, which limits user counts by plan.

Yes, on US plans. Xero tracks 1099-eligible payments to contractors throughout the year and generates 1099-NEC forms at year-end on all three plans (Early, Growing, Established). E-filing is included — you can submit 1099s directly to the IRS through Xero. This is a stronger contractor workflow than FreshBooks (no native 1099 e-filing) and on par with QuickBooks Online. There is no per-contractor fee.

Yes. Xero offers a free QuickBooks-to-Xero conversion tool through MoveMyBooks (covered by Xero) for up to two years of transaction history. For longer histories or QuickBooks Desktop migrations, third-party services like Jet Convert charge $200-$500. The migration handles chart of accounts, contacts, invoices, bills, and bank transactions. Allow 5-10 business days for the automated conversion to complete.

No — direct bank feeds are free on all three Xero plans for supported US, UK, AU, NZ, and Canadian banks. For unsupported banks, Xero uses Yodlee feeds (also free). Some smaller banks require a paid third-party feed connector like ApiFlash or BankFeeds.io ($5-$20/month). Bank reconciliation, including the AI-powered suggestion engine, is included at no extra cost on every plan.

No — each business entity needs its own Xero subscription. There is no multi-entity or consolidated reporting feature on standard plans. If you run 3 companies, you pay for 3 separate Xero subscriptions (typically the Growing plan at $55/month each, so $165/month total). For consolidated reporting across entities, most users add Spotlight Reporting ($299+/month) or Fathom ($44+/month). This is a meaningful gap versus Sage Intacct or NetSuite, which handle multi-entity natively.

Xero does not pro-rate refunds for monthly subscriptions cancelled mid-cycle — you keep access through the end of the billing period. Annual subscribers who cancel within 30 days can request a full refund through support. After 30 days, annual plans are non-refundable, but you retain access until the term ends. There is no cancellation fee, and you can downgrade tiers at any time without penalty.

The Xero mobile app (iOS and Android) covers most day-to-day tasks: invoicing, expense capture with receipt scan, bank reconciliation, contact management, and reporting. It does not support payroll runs, fixed-asset registers, advanced reports, or the Established plan's project tracking — those require the desktop browser. The mobile app is included free on all plans and has no usage limits separate from your subscription tier.

Xero is more affordable per user. QuickBooks Online runs $38-$275/month with seat limits (up to 25 users on Advanced), while Xero runs $25-$90/month with unlimited users on every plan. For a 5-person business, QBO's Plus plan ($115/month, up to 5 users) costs roughly twice as much as Xero Growing ($55/month, unlimited users). QBO has the larger US accountant network and more robust inventory; Xero wins on user economics and international features.