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
$25/moBest for: Financial foundation / freelancers
- ✓Maximum 20 invoices/5 bills monthly
- ✓Unlimited users
- ✓Bank reconciliation
- ✓Hubdoc document capture
- ✓30-day cash flow forecasting
Xero pricing: the quick answer
Xero runs $25 to $90 a month as of July 6, 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 13 accounting tools we track.
Xero cost calculator
What Xero really costs
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.
Pricing Expert Take
Independent analysis · Xero
Value Analysis
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.
Hidden Costs
- Early is capped at 20 invoices and 5 bills a month; exceeding either forces a jump to Growing at $55/mo.
- The 90% off signup promo lasts only six months, then plans renew at list price.
- Payroll runs through a separate Gusto subscription, and Inventory Plus is a paid add-on on Growing and Established.
Red Flags
Based on analysis of recent Reddit and G2 discussions.
Green Wins
- 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.
Verdict
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.
Xero price history
Cheaper Accounting tools
Frequently asked questions
How does Xero pricing compare?
See how Xero's 3 pricing plans stack up against similar Accounting tools.
Research Reports
Sources & Data Trail · Xero
- 1.Official Pricing Page·Source of verified tiers(Checked: 2026-07-02)
- 2.Official Website·Official vendor website
- 3.G2·G2 verified user reviews · 4.3/5 · 1,599 reviews
- 4.Capterra·Capterra verified user reviews · 4.4/5
- 5.TrustRadius·TrustRadius verified reviews
- 6.PeerSpot·PeerSpot enterprise peer reviews