Quick Answer
Last verified:

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
Last verified: February 2026 | Sources: 7 pricing pages and reviews
+40-60% above list price

Hidden Costs Breakdown

1

Gusto Payroll integration: Starts at $40/month base + $6/employee for full-service payroll

2

Xero Projects: Only included in Established plan; Growing/Early users need to upgrade

3

Expenses: Full expense management only in Established plan

4

Multi-currency: Only available in Established plan at $80/month

5

Payment processing: Stripe or GoCardless fees apply for accepting payments

6

Additional integrations: Some third-party apps charge separate subscription fees

7

Accountant/bookkeeper access: Free for advisors but may increase your accountant's fees

Example: True Cost for 25 Users

License (25 × $55 × 12) $16,500/yr
Implementation (one-time) +$15,000–$50,000
Premium Support (20%) +$3,300/yr
Training (25 × $500) +$12,500
Admin (part-time) +$15,000–$25,000/yr
Year 1 Total $49,750–$86,400
That's 1.8–2.5× the advertised license price.

Frequently Asked Questions

01 What hidden costs should I budget for with Xero?

Beyond the license fee, budget for implementation ($5K-$100K+), training ($500-$2K per user), premium support (15-20% of license), and admin costs. Most companies see 40-60% higher total cost than the listed price.

02 Does Xero charge for implementation?

Xero doesn't include implementation in the license cost. Implementation is typically done by partners and costs range from $5,000 for basic setup to $100,000+ for enterprise deployments with customization.

03 How much does Xero support cost?

Basic support is included, but premium support (faster response times, 24/7 availability) typically adds 15-20% to your annual contract. This can be thousands of dollars per year for larger deployments.

04 Are there storage costs with Xero?

Most Xero plans include limited storage. Once you exceed the included amount, you'll pay overage fees which can range from $50-$500+ per month depending on data volume.

05 What add-ons cost extra with Xero?

Many features marketed as part of Xero are actually add-ons: advanced reporting, API access, integrations, and specialized modules. Each can add $10-$100+ per user per month.

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