Price checkMonthly
Early$27/USD per moGrowing$59/USD per moEstablished$97/USD per mo
See all 3 plans

All Xero Invoicing Plans & Pricing

Prices unverified — last checked Oct 20, 2026

Plan Monthly Annual Best For
View all features by plan (compare side-by-side)

Early

  • Send quotes and 20 invoices
  • Accept online invoice payments
  • Enter 5 bills
  • Reconcile bank transactions
  • Smart Document Capture
  • View real-time reports
  • W-9 + 1099 management
  • Sales tax
  • Visualize performance with Basic graphs
  • 30 day cash flow forecast
  • Make online bill payments (Domestic - Free ACH)

Growing

  • Send invoices and quotes
  • Accept online invoice payments
  • Automate bill entry and track bills
  • Reconcile bank transactions
  • Smart Document Capture
  • View real-time reports
  • W-9 + 1099 management
  • Sales tax
  • Visualize performance with graphs
  • 60 day cash flow forecast
  • Make online bill payments (Domestic - Free ACH)
  • Make online bill payments (Cross Border) (Optional, Payment fees apply)
  • Customize performance dashboards
  • Tailored financial health scorecards
  • Budget with smart suggestions
  • Auto-reconcile transactions

Established

  • Send invoices and quotes
  • Accept online invoice payments
  • Automate bill entry and track bills
  • Reconcile bank transactions
  • Smart Document Capture
  • View real-time reports
  • W-9 + 1099 management
  • Sales tax
  • Visualize performance with graphs
  • 180 day cash flow forecast
  • Make online bill payments (Domestic - Free ACH)
  • Make online bill payments (Cross Border) (Optional, Payment fees apply)
  • Customize performance dashboards
  • Tailored financial health scorecards
  • Analyze KPIs and ratios
  • Budget with smart suggestions
  • Use multiple currencies
  • Track time and costs for projects
  • Employee expense and mileage claims
  • Benchmark against the industry
  • Make online bill payments (International)
  • Auto-reconcile transactions
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At a glance

List price by tier (annualized, per license)

Per-license list price across Xero Invoicing's plans, annualized. Custom-priced tiers show a hatched bar.

Early$324/yr
Growing$708/yr
Established$1.2K/yr
Quick Answer
Last verified:
Medium confidence

Xero Invoicing pricing: Early $27, Growing $59, Established $97/mo. Plans: Early at $27/USD per month, Growing at $59/USD per month, and Established at $97/USD per month. Pricing depends on your chosen tier, contract length, and negotiated discounts.

Explore Xero Invoicing

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: No free tier available

Xero Invoicing offers 3 pricing tiers: Early, Growing, Established. Paid plans include Early at $27/USD per month, Growing at $59/USD per month, Established at $97/USD per month. The Growing plan is go beyond the basics - automate tasks and access performance dashboards..

Compared to other invoicing software software, Xero Invoicing is positioned at the mid-market price point.

  • 10 documented hidden costs beyond list price
  • Contracts auto-renew — A one-month notice period is required to cancel a Xero subscription.
  • G2 rating: 4.4 out of 5 from 1,000 reviews (as of Oct 2026)
Last verified: | Sources: 2 pricing pages and reviews

How much does Xero Invoicing cost?

Xero Invoicing has 3 paid plans costing $27–$97/mo. Plans include Early at $27/USD per month, Growing at $59/USD per month, Established at $97/USD per month.

Xero Invoicing Pricing Overview

Xero Invoicing has 3 pricing plans ranging from $27 to $97/USD per month. The Early plan costs $27/USD per month, best for an easy financial foundation - track cash flow with the essentials.. The Growing plan costs $59/USD per month, best for go beyond the basics - automate tasks and access performance dashboards.. The Established plan costs $97/USD per month, best for future proof your scaling business - with advanced tools and analytics..

Xero Invoicing contracts auto-renew, with a one month's subscription fee minimum commitment.

There are at least 10 documented hidden costs beyond Xero Invoicing's list price, including implementation, training, and add-on fees.

This pricing was last verified in October 20, 2026 from 2 independent sources.

Explore Xero Invoicing

Xero Invoicing is available on three monthly plans: Early at $5/month for sole traders and new businesses with limited invoicing volume, Growing at $11/month for small businesses needing unlimited invoices and bills, and Established at $18/month for businesses requiring multi-currency support, expense claims, and project tracking. There is no free plan, and no annual billing option is listed in current pricing.

How Xero Invoicing Pricing Compares

Compare Xero Invoicing pricing against top alternatives in Invoicing Software.

Bonsai $9-$59/month View pricing → Harvest Invoicing $0-$17.5/month View pricing → Invoice Ninja $0-$300/month View pricing →

Compare Xero Invoicing vs Alternatives

Before committing to Xero Invoicing, compare pricing with these 3 alternatives in the same category.

VSBonsai
From $9/month

Freelancers with occasional projects

Compare pricing
VSHarvest Invoicing
Free

Individual freelancers

Compare pricing
VSInvoice Ninja
Free

Freelancers getting started

Compare pricing

All Xero Invoicing alternatives & migration guides

What Companies Actually Pay for Xero Invoicing

Review scores
TrustRadius 8.3out of 10 (24)
Trustpilot 4.1out of 5 (11,000)
G2 4.4out of 5 (1,000)
Third-party review aggregates, as of Oct 2026

How Xero Invoicing Pricing Compares

Software Starting Price Top Price
Xero Invoicing $27/USD per month $97/USD per month
Bonsai $15/user/month $59/user/month
Harvest Invoicing Free $17.5/user/month
Invoice Ninja Free $18/month
Wave Free $149/month
Zoho Invoice Custom Custom

Browse all Invoicing Software pricing →

10 Xero Invoicing Hidden Costs Beyond the List Price

Beyond the listed price, Xero Invoicing has at least 10 documented hidden costs that can significantly increase total cost of ownership.

Watch for 10 hidden costs
  • Third-Party Payment Processing Fees
    medium 1 source
    Grounded summary Some users have reported "Xero application fees" ranging from 2.9% to 4.4% on top of standard Stripe fees, which they perceive as a hidden surcharge.
  • Xero Application Fees on Payments 2.9% to 4.4%
    medium 1 source
    Grounded summary Some users have reported "Xero application fees" ranging from 2.9% to 4.4% on top of standard Stripe fees, which they perceive as a hidden surcharge.
  • US Full-Service Payroll Integration
    medium 1 source
    Grounded summary Businesses typically integrate with third-party providers like Gusto, which adds a separate monthly cost.
  • UK Payroll for Additional Employees £1 per employee per month
    medium 1 source
    Grounded summary In the UK, while some plans include payroll for a limited number of employees, additional employees can be added for £1 per employee per month.
  • Payroll Add-on (Gusto) $49 plus $6 per employee
    high 1 source
    Grounded summary Payroll Add-on: Xero does not include full-service payroll directly in its standard plans in the U.S. Businesses often integrate with Gusto, which has a separate monthly base price of approximately $49 plus $6 per employee.
  • Third-Party App Subscriptions $10 to $100+ per month each
    high 1 source
    Grounded summary Many of these third-party apps carry their own separate subscription fees, typically ranging from $10 to $100+ per month each.
  • Professional Services for Implementation and Migration $500 to $5,000+
    critical 1 source
    Grounded summary Professional Services for Implementation and Migration: For businesses with complex accounting needs, engaging Xero-certified advisors or accountants for data migration, setup, and training can cost between $500 and $5,000 or more, depending on th...
  • Expense and Mileage Tracking (UK) £2.50 per user per month
    low 1 source
    Grounded summary Expense and Mileage Tracking: In some regions, like the UK, additional users for expense and mileage tracking can cost £2.50 per user per month.
  • CIS Returns Submission (UK) £5 per month
    low 1 source
    Grounded summary CIS Returns Submission: In the UK, this is available as an add-on for £5 per month.
  • Extra Project Tracking Users £5 per extra user per month
    low 1 source
    Grounded summary Extra Project Tracking Users: The Ultimate Plan may include a certain number of project users, with additional users incurring a charge, for example, £5 per extra user per month.
Tip

Ask your Xero Invoicing sales rep about these costs upfront. Getting them in writing before signing can save you from surprise charges later.

Full hidden costs breakdown →

Intelligence sourced from 5 independent sources
industry BBB Formal complaints TrustRadius Enterprise reviews Trustpilot Consumer reviews G2 B2B reviews
Key claims include inline source attribution. Data verified against multiple independent sources. 16 source citations total.

Xero Invoicing Contract Terms

Xero Invoicing contracts auto-renew. Changes require A one-month notice period is required to cancel a Xero subscription.. These terms are sourced from verified buyer experiences.

Contract Terms
Auto-Renewal Yes
Cancellation Notice A one-month notice period is required to cancel a Xero subscription.
Minimum Commitment one month's subscription fee
Based on 1 verified source

How to Negotiate Xero Invoicing Pricing

Xero Invoicing contracts are negotiable. These 5 tactics are sourced from real buyer experiences and procurement specialists.

Negotiation Playbook 5 tactics
Annual/Multi-Year Commitments high success

Buyers commonly achieve savings by opting for annual prepayment, which can offer around a 10% discount, and through multi-year commitments.

https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHiwwiVOtZqv60kJ9xl1DWW4Simdu_pWuxEDOB2YVEZTzYCJdJ4RJf1uwm8g1uBPfCBnAh_G5FEGLbet2dLX5JtVU5mSW-Q79vxcH0BBBuffA-4hFGz-aNjkP3cK-YBvUU=
Competitive Pressure high success

Buyers who research and evaluate alternative accounting software providers and create competitive pressure often achieve better bundled pricing.

https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHiwwiVOtZqv60kJ9xl1DWW4Simdu_pWuxEDOB2YVEZTzYCJdJ4RJf1uwm8g1uBPfCBnAh_G5FEGLbet2dLX5JtVU5mSW-Q79vxcH0BBBuffA-4hFGz-aNjkP3cK-YBvUU=
Understand Business Needs high success

Securing the best deal involves clearly understanding your business's specific needs, comparing Xero's plans to competitors, and leveraging available discounts.

https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHPwG6dk4w_tp_H-Doh0B8CCUDanKliu1uQA_66e4PhYAcI5zxp6ASlRNxJ8n7aF2tNTzxFCEBIaTRC0cO69OFHKWQG3Fhh47Vlvg8VA1bpOvI6HX_9q8-h-TGWZfQIqy4N8qVktYfR86Sp
Volume-Based Negotiation high success

For larger companies, negotiating based on the volume of users and required features can lead to better pricing.

https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHPwG6dk4w_tp_H-Doh0B8CCUDanKliu1uQA_66e4PhYAcI5zxp6ASlRNxJ8n7aF2tNTzxFCEBIaTRC0cO69OFHKWQG3Fhh47Vlvg8VA1bpOvI6HX_9q8-h-TGWZfQIqy4N8qVktYfR86Sp
Leverage Promotional Offers high success

Xero frequently offers promotional deals, such as 90% off for the first six months for new customers on certain plans.

https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHjw4g0Jb4pu7fjIjbTfxZ8WPT2yr12EaOEKAx-cXr3J7nuc3DVWrnf7rxUuiIWrevSGgQoG5JrrqUZ9eL_opVfHwGF-uznBrHrBELHUphCsfHgoZn9xJSvV46idbgmCg8=
High success Medium Low / difficult

Full negotiation guide →

Xero Invoicing Price History

Pricing changes CostBench has tracked for Xero Invoicing, verified across 3 snapshots going back to 2026Q3.

  1. Xero Invoicing price increase

    Highest tier increased from $18 to $97/month

    +438.89%

  2. Xero Invoicing Early increase

    Early tier increased from $5 to $27/month

    +440%

  3. Xero Invoicing Growing increase

    Growing tier increased from $11 to $59/month

    +436.4%

View Xero Invoicing's full price history →

Xero Invoicing Pricing FAQ

01 What is the cheapest plan for Xero Invoicing?

The cheapest paid plan is Early at $27/usd per month.

02 Does Xero Invoicing have a free plan?

No, Xero Invoicing does not have a free plan.

03 What is the difference between the Early, Growing, and Established plans?

Xero Invoicing's Early plan ($27/month) is the entry-level option with limited transactions. The Growing plan ($59/month) removes most limits for expanding businesses. The Established plan ($97/month) adds multi-currency, expenses, and project tracking for larger or more complex operations.

Is this pricing incorrect? — we'll verify and update it.