How much does Xero cost in 2026?
Xero's cheapest paid plan is Early at $25/month. The full tier structure runs from $25 through Established at $90/month across 3 plans. Xero sits in the Finance & Accounting category, where SaaS Price Hub tracks 20 tools with verified pricing. Pricing is currently under review.
Pricing under review
Most recent tracked change: Xero lowered its Entry tier from $29 to $25/month (-14%) on Jul 25, 2026.
What are all the Xero pricing tiers?
Xero publishes 3 plans:
- •Early: $25/month ($25/month billed annually) — 20 invoices/quotes, 5 bills, bank reconciliation
- •Growing: $55/month ($55/month billed annually) — Unlimited invoices/quotes/bills, bulk reconciliation, W-9+1099, expense tracking
- •Established: $90/month ($90/month billed annually) — Multi-currency, projects, employee expenses, analytics + KPIs, 180-day cash flow
Is Xero priced per seat, per usage, or hybrid?
Xero is priced per seat (Per Seat), with users as the limit that drives cost.
How often does Xero change its pricing?
SaaS Price Hub recorded 1 tracked price change for Xero in the last 12 months (0 increases, 1 decrease). The most recent was the Entry plan on July 25, 2026.
Full Xero price historyWhere can I find Xero's official pricing page?
Xero publishes its own pricing at www.xero.com/us/pricing-plans.
Xero official pricing pageQuick facts about Xero pricing
- Pricing model
- Per Seat
- Key limit metric
- Users
- Free trial
- 30 days
- Enterprise pricing
- Available (custom quote)
- Native currency
- USD
- Category
- Finance & Accounting
Who is Xero best for?
In other words, Xero is worth it for global SMBs (1-100 employees) that need cloud accounting + multi-currency support + strong bank feed automation — particularly if you're outside the US or scaling internationally where QuickBooks weakens. Early is entry tier (bank rec + basic invoicing); Growing removes invoice limits; Established adds multi-currency + expenses + projects. Moderate learning curve for full feature depth. Native integrations with Stripe, PayPal, Gusto, Shopify, and 1,000+ apps. Downside: raised prices multiple times in 2026 (US Early raised again Oct 1), and payroll (add-on in US, native in AU/NZ/UK) lags Gusto.
What is Xero not for?
US-only wanting most integrations? Pick QuickBooks. Freelancer wanting invoicing-first? FreshBooks. Free (US/CA)? Wave.
Xero plans
| Plan | Monthly | Annual | Key limit |
|---|---|---|---|
| Early | 25 | 25 | 20 invoices/quotes, 5 bills, bank reconciliation |
| Growing | 55 | 55 | Unlimited invoices/quotes/bills, bulk reconciliation, W-9+1099, expense tracking |
| Established | 90 | 90 | Multi-currency, projects, employee expenses, analytics + KPIs, 180-day cash flow |
Answer generated from SaaS Price Hub's vendor-sourced pricing tracker; verification cadence varies by tool. Last updated August 12, 2026.
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