Xero Pricing (2026)
Flat-rate SaaS pricing with three fixed tiers — you're not paying per seat, you're paying for feature depth and transaction volume (bills, invoices, expense claims). Unlimited users on every plan is the real differentiator here, which is unusual in accounting software.
- Early
- $25/mo
- Growing
- $55/mo
- Established Popular
- $90/mo
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Early
- Send quotes and 20 invoices†
- Accept online invoice payments^
- 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)
- Make online bill payments (Cross Border)
Growing
- Send invoices and quotes
- Automate bill entry and track bills
- Auto-reconcile bank transactions
- Visualize performance with graphs
- 60 day cash flow forecast
- Customize performance dashboards
- Tailored financial health scorecards
Established
Popular- 180 day cash flow forecast
- Analyze KPIs and ratios
- Use multiple currencies
- Track time and costs for projects
- Employee expense and mileage claims
- Benchmark against the industry
- Make online bill payments (International)
Does Xero have a free plan?
No. Xero lists no free plan or trial on its pricing page. Paid plans start at $25/mo.
Want free? QuickBooks, Wave, and Invoice Ninja have free plans: see all Xero alternatives →
AI Pricing Analysis
Pricing Model
Flat-rate SaaS pricing with three fixed tiers — you're not paying per seat, you're paying for feature depth and transaction volume (bills, invoices, expense claims). Unlimited users on every plan is the real differentiator here, which is unusual in accounting software.
Tier Strategy
Early is built for freelancers and brand-new businesses who just need basic invoicing and reconciliation but with a cap on quantity of invoices/bills. Growing removes those caps for SMBs scaling their transaction volume, and Established bolts on multi-currency, project tracking, and expense claims for businesses with more complex operational needs. The upgrade trigger is almost always volume — you hit the invoice/bill ceiling on Early before you outgrow the feature set.
Competitive Positioning
Xero sits mid-pack against QuickBooks and FreshBooks — not the budget option, not the enterprise play, just a straightforward all-in-one for small business owners who want unlimited users without per-seat penalties. That no-free-trial, no-freemium stance is a bet that the 90%-off intro offer converts better than a trial funnel.
Growth Lever
Expansion comes from transaction ceilings, not seat count — the Early plan's invoice/bill limits force a move to Growing, and multi-currency or project costing needs push teams to Established. The aggressive 6-month discount is really a wedge to get businesses locked in before the October 2026 price hike, banking on inertia to carry them into full-price renewal.
Want the strategist's read on the live page? Read the AI teardown of Xero's pricing page →
Xero Pricing FAQ
- How much does Xero cost?
- Paid plans start at $25/mo, going up to $90/mo for larger teams.
- Is there a free plan?
- No free plan. You'll need to commit to a paid plan to get started.
- Can I try it before paying?
- Not at the moment. There's no free trial or free plan listed on their pricing page.
- How does the pricing work?
- Flat-rate SaaS pricing with three fixed tiers — you're not paying per seat, you're paying for feature depth and transaction volume (bills, invoices, expense claims). Unlimited users on every plan is the real differentiator here, which is unusual in accounting software.
- Is there a discount for annual billing?
- 90% off your plan for your first 6 months when you buy by 30 September 2026.
- Which plan makes sense for me?
- Early is built for freelancers and brand-new businesses who just need basic invoicing and reconciliation but with a cap on quantity of invoices/bills. Growing removes those caps for SMBs scaling their transaction volume, and Established bolts on multi-currency, project tracking, and expense claims for businesses with more complex operational needs. The upgrade trigger is almost always volume — you hit the invoice/bill ceiling on Early before you outgrow the feature set.
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Comparing Xero to something specific? Try Xero vs QuickBooks, Xero vs FreshBooks, or Xero vs Wave. Or see the best Xero alternatives, ranked.
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