Xero Pricing (2026)

Flat-rate tiers based on feature access rather than seats or usage — you're paying for capability (invoicing volume, bill pay, multi-currency) not per-user, which makes Xero predictable but means growing feature needs, not team size, is what pushes you up the ladder.

From $25/mo 3 plans flat-rate Best Xero alternatives → Xero's competitors →
Early
$25/mo
Growing
$55/mo
Established Popular
$90/mo
Verified Sep 29, 2026 Official pricing page

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Xero has changed its pricing 6 times since we started watching. Last change Sep 29, 2026.

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Screenshot of Xero's pricing page showing its plans and prices
Their pricing page, captured Sep 29, 2026

Early

$25/mo
  • 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

$55/mo
  • 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)
  • Customize performance dashboards
  • Tailored financial health scorecards
  • Budget with smart suggestions
  • Auto-reconcile transactions

Established

Popular
$90/mo
  • 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)
  • Customize performance dashboards
  • Tailored financial health scorecards
  • 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)
  • Budget with smart suggestions
  • Auto-reconcile transactions

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? Wave, Invoice Ninja, and MarginEdge have free plans: see all Xero alternatives →

AI Pricing Analysis

Pricing Model

Flat-rate tiers based on feature access rather than seats or usage — you're paying for capability (invoicing volume, bill pay, multi-currency) not per-user, which makes Xero predictable but means growing feature needs, not team size, is what pushes you up the ladder.

Tier Strategy

Early is built for freelancers and just-launched businesses testing the waters with limited invoices/bills; Growing removes those caps for SMBs scaling transaction volume; Established adds multi-currency, expense claims, and project tracking for businesses operating internationally or juggling multiple cost centers. The upgrade trigger is usually hitting Early's invoice/quote caps or needing a feature Early simply doesn't offer.

Competitive Positioning

Xero sits mid-market against QuickBooks and FreshBooks — not the cheapest accounting tool out there, but positioned as more approachable than enterprise ERP-lite platforms, targeting small businesses that'll eventually outgrow spreadsheets but aren't ready for NetSuite.

Growth Lever

The real lever is feature-gating, not seats — unlimited users on every plan means Xero isn't taxing headcount, it's taxing sophistication (multi-currency, project costing, expense claims), so expansion revenue comes from businesses needing more financial complexity handled, not from adding teammates.

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 tiers based on feature access rather than seats or usage — you're paying for capability (invoicing volume, bill pay, multi-currency) not per-user, which makes Xero predictable but means growing feature needs, not team size, is what pushes you up the ladder.
Is there a discount for annual billing?
Get 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 just-launched businesses testing the waters with limited invoices/bills; Growing removes those caps for SMBs scaling transaction volume; Established adds multi-currency, expense claims, and project tracking for businesses operating internationally or juggling multiple cost centers. The upgrade trigger is usually hitting Early's invoice/quote caps or needing a feature Early simply doesn't offer.

More Accounting pricing

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