Early
$15 /mo
Save ~20% with annual billing
What's included:
- 20 invoices
- 5 bills
- Bank reconciliation
X
Xero Pricing [2026]
Complete pricing breakdown for Xero. Compare plans, features, and find the best value.
Starting from $15 /month
Try Xero Xero Plans & Pricing
Growing
$42 /mo
Save ~20% with annual billing
What's included:
- Unlimited invoices
- Unlimited bills
- Bulk reconciliation
Established
$78 /mo
Save ~20% with annual billing
What's included:
- Multi-currency
- Expenses
- Projects
Prices shown are for monthly billing. Annual plans typically offer 10-20% savings.
Features by Plan
| Feature | Early | Growing | Established |
|---|---|---|---|
| Invoicing | |||
| Expense Tracking | |||
| Bank Connections | |||
| Reporting | |||
| Payroll Add-on | |||
| Inventory | |||
| Multi-currency | |||
| Mobile App |
How Xero Pricing Compares
| Tool | Starting Price | Free Tier | Best For | |
|---|---|---|---|---|
| X Xero Current | $15/mo | Small businesses | ||
| Q QuickBooks | $30/mo | Small businesses | Compare |
Is Xero Worth It?
Great Value If You Need
- Beautiful interface
- Great bank feeds
- Strong app marketplace
- Multi-currency
Consider Alternatives If
- Limited features on starter
- US payroll is add-on
- Invoice limits on lower tier
- Support varies
Our Verdict
Xero offers solid value for its feature set. It's best suited for Small businesses and International companies. Starting at $15/mo, it's accessible for most budgets.
Value Score 4.1/5
Xero Pricing FAQ
How much does Xero cost?
Xero starts at $15/month. Pricing varies based on the plan you choose and the number of users.
Does Xero have a free plan?
Xero doesn't offer a permanent free plan, but they do provide a free trial so you can test the platform before committing.
Does Xero offer discounts for annual billing?
Most SaaS tools, including Xero, offer 10-20% discounts when you pay annually instead of monthly. This can save you approximately $36 per year.
Which Xero plan is best for small businesses?
For small businesses, we recommend the Growing plan at $42/month. It offers the best balance of features and value for growing teams.
Can I change my Xero plan later?
Yes, you can upgrade or downgrade your Xero plan at any time. Upgrades are typically prorated, and downgrades take effect at your next billing cycle.
Does Xero offer nonprofit or education discounts?
Many SaaS tools offer special pricing for nonprofits and educational institutions. Contact Xero sales directly to inquire about available discounts.
What payment methods does Xero accept?
Xero typically accepts major credit cards (Visa, Mastercard, American Express) and often supports invoicing for annual enterprise plans. Some tools also accept PayPal.
Is there a money-back guarantee?
Most SaaS tools offer a satisfaction guarantee or free trial period. Check Xero's terms of service for their specific refund policy.
How does Xero pricing compare to alternatives?
Xero is priced competitively compared to alternatives. QuickBooks offers comparable features starting at $30/month.
Are there any hidden fees with Xero?
We highlight all known fees in our pricing analysis. Watch for potential additional costs like extra users, storage upgrades, premium support, or advanced features not included in base plans.