Xero Pricing (April 2026)
How much does Xero cost?
Xero starts at $25/mo with 3 plans available.
All Plans
Growing
- Unlimited invoices
- Unlimited bills
- Bulk reconciliation
Xero Pricing Breakdown
Xero offers three transparent pricing tiers designed to accommodate businesses at different stages of growth. The pricing model is straightforward, with monthly subscriptions and no long-term contracts required. Each plan offers unlimited users, which is a significant advantage over many competitors who charge per-user fees.
The Early plan starts at $25 per month, ideal for small businesses or sole proprietors. This entry-level tier allows you to send up to 20 invoices and enter 5 bills monthly. While limited, it provides core accounting features like bank reconciliation and basic reporting. You'll get Hubdoc bill and receipt capture, which can significantly streamline your financial record-keeping.
The Growing plan, priced at $55 per month, removes invoice and bill limitations, making it perfect for businesses experiencing expansion. This plan includes unlimited invoices and bills, bulk transaction reconciliation, and more advanced reporting features. You'll also gain access to payroll integrations and enhanced financial tracking tools.
The Established plan at $90 per month is designed for more complex businesses. It includes advanced features like multi-currency support, project tracking, and 180-day cash flow forecasting. This tier is best suited for businesses with international operations or those requiring sophisticated financial management tools.
Compared to competitors like QuickBooks, Xero offers more competitive pricing and greater flexibility. The unlimited user model means you can add team members without incurring additional costs, providing significant long-term value for growing businesses.
Feature Breakdown by Plan
| Feature | Early | Growing | Established |
|---|---|---|---|
| 20 invoices | ✓ | ✗ | ✗ |
| 5 bills | ✓ | ✗ | ✗ |
| Bank reconciliation | ✓ | ✗ | ✗ |
| Unlimited invoices | ✗ | ✓ | ✗ |
| Unlimited bills | ✗ | ✓ | ✗ |
| Bulk reconciliation | ✗ | ✓ | ✗ |
| Multi-currency | ✗ | ✗ | ✓ |
| Expenses | ✗ | ✗ | ✓ |
| Projects | ✗ | ✗ | ✓ |
Team Cost Calculator
Estimated monthly costs based on team size (price per user × team members):
| Team Size | Early | Growing | Established |
|---|---|---|---|
| 5 users | $125/mo | $275/mo | $450/mo |
| 10 users | $250/mo | $550/mo | $900/mo |
| 25 users | $625/mo | $1,375/mo | $2,250/mo |
| 50 users | $1,250/mo | $2,750/mo | $4,500/mo |
Is Xero Worth It?
There is no free tier, but most paid plans include a trial period.
Paid plans range from $25/mo (Early) to $90/mo (Established). Most users pick the Growing plan.
Best for: Small businesses, International companies, Freelancers. Keep in mind: limited features on starter.
Xero Pros & Cons
- Beautiful interface
- Great bank feeds
- Strong app marketplace
- Multi-currency
- Unlimited users
- Limited features on starter
- US payroll is add-on
- Invoice limits on lower tier
- Support varies