---
tool: "Xero"
slug: "xero"
category: "Finance & Accounting"
pricing_model: "Per Seat"
pricing_transparency: "Public"
entry_price_monthly: 25
entry_price_annual: 25
annual_discount_pct: 0
native_currency: "USD"
free_plan_available: false
free_trial_days: 30
enterprise_pricing_available: true
number_of_plans: 3
key_limit_metric: "Users"
last_checked_date: "2026-08-12"
last_manually_verified: "2026-08-12"
verification_status: "Verified"
vendor_pricing_page: "https://www.xero.com/us/pricing-plans/"
vendor_website: "https://www.xero.com"
source: https://saaspricehub.io/tools/xero
---

# Xero pricing

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.

## Current entry price

**$25/month** billed monthly. **$25/month** billed annually.

## All tiers

| 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 |

## Pricing model

- **Model:** Per Seat
- **Key limit metric:** Users
- **Free plan:** No
- **Free trial:** 30 days
- **Enterprise pricing:** Available (custom quote)
- **Native currency:** USD

## Verification

- **Last automated check:** 2026-08-12
- **Last manual verification:** 2026-08-12
- **Verification status:** Verified
- **Source:** https://www.xero.com/us/pricing-plans/

## Recommendation

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.

## Alternative to consider

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

---

*Pricing data maintained by SaaS Price Hub. Human-readable page: [https://saaspricehub.io/tools/xero](https://saaspricehub.io/tools/xero). All prices in USD unless otherwise noted. This file is machine-readable and updated within 24 hours of any tracked price change.*