Xero Pricing: Plans & Cost Calculator 2026
Sole traders can start with the Early plan at $25/mo, while growing businesses can choose from 3 tiers ranging up to $90/mo for unlimited invoicing.
Xero plans and pricing
Early
Financial foundation / freelancers
Growing
Automating/growing businesses
Established
Scaling businesses
Xero pricing: the quick answer
Xero runs $25 to $90 a month as of July 8, 2026, across three plans with no free tier. Early is $25/mo but caps you at 20 invoices and 5 bills a month, Growing is $55/mo with unlimited invoicing, and Established is $90/mo, adding multi-currency and project tracking. All three include unlimited users, Xero's standout: invite your whole team and accountant at no extra cost. New customers can take 90% off for the first six months instead of a free month. Watch the Early caps, since light users outgrow them fast.
- Early$25/mo
- Growing$55/mo
- Established$90/mo
At $25/mo to start, Xero sits 25% above the $20/mo median across 14 accounting tools we track.
Xero cost calculator
Xero Hidden Costs & Pitfalls
Xero does not charge per seat, so the cost pressure comes from the entry plan's hard caps and a couple of things billed outside the subscription.
Xero pricing, read against its live plans and category
Positioning
Xero has no free tier and three paid plans: Early at $25/mo, Growing at $55/mo, and Established at $90/mo. The headline feature across all three is unlimited users, which genuinely sets it apart from per-seat competitors. The weak spot is the Early plan's caps of 20 invoices and 5 bills a month, low enough that many businesses treat Growing at $55 as the real entry point. It is a polished, widely integrated platform, and you pay accordingly once you move past the entry tier.
Cost drivers
- 1Early is capped at 20 invoices and 5 bills a month; exceeding either forces a jump to Growing at $55/mo.
- 2The 90% off signup promo lasts only six months, then plans renew at list price.
- 3Payroll runs through a separate Gusto subscription, and Inventory Plus is a paid add-on on Growing and Established.
Strengths
- Unlimited users on every plan, so team size never touches the bill.
- An app marketplace with a large ecosystem of third-party integrations.
- Free onboarding with a Xero Coach in the first 90 days.
Editor’s take
Sole traders can start on Early, but anyone sending more than a handful of invoices a month should plan for Growing at $55/mo where the caps disappear. The unlimited-user model makes Xero a strong fit for teams that would otherwise pay per seat. If you want a free starter tier for a very small operation, Wave is the cheaper way in.
Oleh KemFounder & Lead AnalystXero price history
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Frequently asked questions
Sources & verification
| Source | What was checked | Last checked |
|---|---|---|
| Official Pricing Page | Source of verified tiers | July 8, 2026 |
| Official Website | Official vendor website | — |
| G2 | G2 verified user reviews · 4.3/5 · 1,599 reviews | — |
| Capterra | Capterra verified user reviews · 4.4/5 | — |
| TrustRadius | TrustRadius verified reviews | — |
| PeerSpot | PeerSpot enterprise peer reviews | — |
Every fact on this Xero pricing page is tied to a named source and a verification date. Freshness-sensitive figures trace to the sources above; verify against the vendor before relying on them.
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