Finance & AccountingPublicPricing under review

Xero Pricing

Xero · Finance & Accounting

Cloud accounting from New Zealand, publicly traded, ~$18B market cap. Positioned as the alternative to QuickBooks outside the US (dominant in UK, Australia, and NZ). Distinctive for its bank feed depth (5,000+ banks worldwide) and its global accountant marketplace. Priced $15-$78/mo across three tiers. Recently added AI features and payments infrastructure to defend against Stripe's push into billing. Best choice if your accountant is outside the US.

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.

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Pricing summary

Starting price

$25/mo

Pricing model

Per Seat

Both

Key limit

Users

Main metered limit

Free trial

30-day free trial

Pricing verified for United States.View full pricing details on Xero's website

Machine-readable pricing: pricing.md ↓

See all tracked changes →

Alternatives to consider

US-only wanting most integrations? Pick QuickBooks. Freelancer wanting invoicing-first? FreshBooks. Free (US/CA)? Wave.

All plans

See a plain-English answer to “How much does Xero cost?” →

Plan	Monthly	Annual	Key limit
EarlyEntry tier	$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

Pricing under review · View source →

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Price history

Price tracking is just getting started for Xero. Full history will build as we log changes. See what we have so far →

Common questions about Xero

Is Xero worth it?: 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.
What are the pricing tiers of Xero?: Xero has 3 plans: Early ($25/mo), Growing ($55/mo), Established ($90/mo).
Is Xero priced per user?: Yes. Xero is priced per seat, so your bill scales with the number of people on the account.

Frequently asked questions

About Xero pricing.

Xero pricing starts at $25/month on monthly billing. Xero offers 3 paid plans in total, ranging from $25 to $90/month. Enterprise pricing is custom-quoted.

Free-plan and free-trial availability for Xero isn't confirmed in our tracker yet.

Xero has 3 publicly-priced tiers as of September 26, 2026:
• Early — $25/mo ($25/mo billed annually). 20 invoices/quotes, 5 bills, bank reconciliation.
• Growing — $55/mo ($55/mo billed annually). Unlimited invoices/quotes/bills, bulk reconciliation, W-9+1099, expense tracking.
• Established — $90/mo ($90/mo billed annually). Multi-currency, projects, employee expenses, analytics + KPIs, 180-day cash flow.

Yes. Xero has had 1 price change in the last 90 days. Most recent: Entry tier fell from $29 to $25/month on Oct 11, 2026. See full history at /tools/xero/price-history.

Xero sits in the mid-range for Finance & Accounting tools. Of the 10 we track with published entry prices, 3 are cheaper and 6 are more expensive. Entry price is $25/month vs. a category median of $49/month.