# Xero pricing (2026): plans, cost, and compliance

**Entry price:** $25/mo (Early). Among the 8 accounting software we track it is #6 cheapest of 8; median entry $22/mo.
**Domain:** xero.com
**Free tier:** No · 30-day free trial
**Compliance:** HIPAA Not published · SOC 2 Not published · GDPR Not published
**Integrations:** Stripe, Gusto, HubSpot, Shopify, PayPal, Square, Bill.com
**Best for:** Teams with many users wanting flat per-org pricing; International businesses needing multi-currency; Businesses migrating from QuickBooks seeking a modern UI
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Early | $25 | — | flat | Unlimited users. Hard caps of 20 invoices/quotes and 5 bills per month; bank reconciliation, short-term cash flow snapshot. Annual billing ($300/yr) is exactly 12x the monthly rate — no annual discount. | xero.com |
| Growing | $55 | — | flat | Unlimited users and unlimited invoices, quotes, bills, and bank transactions; bulk reconciliation. Annual billing ($660/yr) is exactly 12x the monthly rate — no annual discount. | xero.com |
| Established | $90 | — | flat | Unlimited users; adds multi-currency, project tracking, expense claims, and advanced analytics/cash flow forecasting. Annual billing ($1,080/yr) is exactly 12x the monthly rate — no annual discount. | xero.com |

**Key features:** Unlimited users on all plans (flat per-org pricing); 800+ app marketplace integrations; Multi-currency support (Established plan); Project tracking and expense claims (Established); Bulk bank reconciliation tools.

**Plan limits:** Early plan: 20 invoices/quotes and 5 bills per month; All plans: unlimited users per organization.

## Cheaper accounting software alternatives

- [Wave](https://frontdeskreview.com/software/accounting-software/wave/) — from $0/mo
- [Zoho Books](https://frontdeskreview.com/software/accounting-software/zoho-books/) — from $0/mo
- [QuickBooks Online](https://frontdeskreview.com/software/accounting-software/quickbooks-online/) — from $20/mo
- [Patriot Software Accounting](https://frontdeskreview.com/software/accounting-software/patriot-software/) — from $20/mo
- [FreshBooks](https://frontdeskreview.com/software/accounting-software/freshbooks/) — from $23/mo

Sources: 1 · Last verified 2026-06-13
Provenance: Xero US published pricing (xero.com/us/pricing-plans). Official page repeatedly returned HTTP 503 to automated fetch; regular monthly list rates verified via costbench Xero pricing page and corroborated across multiple 2026 pricing aggregators reporting the identical $25/$55/$90 US tiers, with the Early plan's 20-invoice/5-bill caps confirmed. Annual billing ($300/$660/$1,080) is exactly 12x the monthly rate, so no annual discount is recorded (the earlier '~10%' figure was unverifiable and removed). All Xero plans include unlimited users (flat per-organization pricing).
Canonical: https://frontdeskreview.com/software/accounting-software/xero/
Cite: Per The Front Desk Review, Xero's entry plan was $25/mo as of 2026-06-13 — https://frontdeskreview.com/software/accounting-software/xero/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl