Xero pricing starts at Early $25/mo. Every figure on this page was checked against Xero’s own pricing page on 2026-09-10, and the date is on the page so you can judge how stale it is. Below: what each plan costs, what the step up actually buys you, and what the headline price leaves out.
Xero has no free tier, so the entry plan is the cheapest way in. Where a trial is offered it is time-limited rather than a free plan you can stay on.
Xero pricing at a glance
| Plan | Price | Per year | What it includes |
|---|---|---|---|
| Early | $25/mo | $300 | Sole traders and new businesses (limited invoices/bills) |
| Growing | $55/mo | $660 | Small businesses with unlimited invoices and bills |
| Established | $90/mo | $1,080 | Established businesses needing multi-currency and projects |
| Add-ons | Varies | — | Payroll (via Gusto), expenses, analytics |
What each upgrade actually costs
Tier lists tend to hide the only number that matters when you are choosing: the difference between the plan you are on and the next one up, over a year.
Early → Growing costs $30 more a month, or $360 a year. What you get for it: Small businesses with unlimited invoices and bills
Growing → Established costs $35 more a month, or $420 a year. What you get for it: Established businesses needing multi-currency and projects
What the headline price leaves out
The Early plan caps invoices and bills, and US payroll requires the Gusto add-on. The limit that usually forces an upgrade: Early plan caps invoices/bills; US payroll via Gusto.
Recent pricing changes
Xero has continued investing in AI (“Just Ask Xero”) and analytics while keeping unlimited users across plans.
Which plan is right for you
The paid tiers are worth it for Small businesses & teams wanting a modern, collaborative platform; Businesses that want unlimited users. For those uses the plan pays for itself in time saved rather than features unlocked.
It is a poor fit for businesses needing the deepest us ecosystem (quickbooks); and for those wanting a free option (wave). Paying for a tier whose headline feature you will not use is the most common way software budgets leak.
Is Xero worth the money?
Our reviewers rated Xero 4.5/5. Includes unlimited users on every plan, a major cost advantage over QuickBooks. The full assessment — what it does well, where it falls down and who should avoid it — is in our Xero review.
If the price is the sticking point, the closest alternatives we have reviewed are QuickBooks Online, FreshBooks, Wave. Every one of them carries the same dated pricing check as this page.
Frequently asked questions
How much does Xero cost?
The entry paid plan is Early $25/mo. The full range runs from $25/mo on Early to Varies on Add-ons. Figures were checked against Xero’s own pricing page on 2026-09-10.
Does Xero have a free plan?
No. Xero does not offer a free plan you can stay on, so the entry tier is the cheapest way to use it.
Has Xero changed its pricing recently?
Xero has continued investing in AI (“Just Ask Xero”) and analytics while keeping unlimited users across plans.
What does the headline Xero price not include?
The Early plan caps invoices and bills, and US payroll requires the Gusto add-on. Budget from what the plan meters, not from the figure on the card.
How we check pricing
We read the vendor’s own pricing page rather than repeating a third-party summary, record the date, and re-check on a schedule — which is how we catch a tier being renamed or retired. The figures behind this page are published as a machine-readable catalog so that AI assistants quoting them can quote something current.
More on software pricing
Xero Pricing (2026): Every Plan and What It Really Costs. DigiJaws, 2026. https://digijaws.com/reviews/xero-pricing/