Accounting Software · pricing · Updated November 2026
Xero pricing (2026)
Xero starts at $27/mo (Early) as checked on 2026-11-01, read from Xero's own pricing page; 3 plans. Best for Teams with many users wanting flat per-org pricing. Every figure below links to its source and the date we captured it.
At a glance
- Entry price: $27/mo (Early)
- Free tier: No · 30-day trial
- Compliance: HIPAA — · SOC 2 — · GDPR —
- Best for: Teams with many users wanting flat per-org pricing; International businesses needing multi-currency; Businesses migrating from QuickBooks seeking a modern UI
As of · every figure below links to its source
Xero plans & pricing
| Plan | Monthly | Annual | Billing | Notes | Source |
|---|---|---|---|---|---|
| Early | $27 | — | Flat monthly | Unlimited users. Hard caps of 20 invoices/quotes and 5 bills per month; bank reconciliation, short-term cash flow snapshot. Intro offer: $2.70 per month for the first 6 months. | xero.com |
| Growing | $59 | — | Flat monthly | Unlimited users and unlimited invoices, quotes, bills, and bank transactions; bulk reconciliation. Intro offer: $5.90 per month for the first 6 months. | xero.com |
| Established | $97 | — | Flat monthly | Unlimited users; adds multi-currency, project tracking, expense claims, and advanced analytics/cash flow forecasting. Intro offer: $9.70 per month for the first 6 months. | xero.com |
Last verified 2026-11-01. 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). Cross-checked against costbench.com.
Price changes
Price on record
$27/moRe-based on record 2026-11-03
A new dated entry is stamped here each time the price moves — the record builds itself.
From 2026-11-03 our record reflects a correction we published, not a vendor price move, so earlier figures are not compared with it.
Tracked since June 2026. No change record has cleared two sources yet, so nothing is published on the wire.
Corrections to this record
Changes we made to our own record of Xero, newest first: a figure read again on the vendor's page, a plan it no longer lists, a note. None of them is a price change by Xero. Every correction on the site is in the corrections log.
-
Early. Price corrected from $25 to $27 (month, billed monthly). This row was last read on 2026-09-27. The record held $25; the page prints $27 a month as the list price after a 90% intro offer of $2.70 per month for the first 6 months. The page reads: "Early $2.70 per month for the first 6 months Then $27 per month An easy financial foundati". Read in a browser on 2026-11-01.
-
Growing. Price corrected from $55 to $59 (month, billed monthly). This row was last read on 2026-09-27. The record held $55; the page prints $59 a month as the list price after a 90% intro offer of $5.90 per month for the first 6 months. The page reads: "Growing $5.90 per month for the first 6 months Then $59 per month Go beyond the basics - a". Read in a browser on 2026-11-01.
-
Established. Price corrected from $90 to $97 (month, billed monthly). This row was last read on 2026-09-27. The record held $90; the page prints $97 a month as the list price after a 90% intro offer of $9.70 per month for the first 6 months. The page reads: "Established $9.70 per month for the first 6 months Then $97 per month Future proof your scaling busi". Read in a browser on 2026-11-01.
Capabilities
Integrations: Stripe, Gusto, HubSpot, Shopify, PayPal, Square, Bill.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.
Frequently asked questions
How much does Xero cost?
Xero starts at $27/mo (Early); it has 3 published plans. Verified 2026-11-01.
What are cheaper alternatives to Xero?
Cheaper accounting software than Xero (entry $27/mo) include Wave at $19/mo, QuickBooks Online at $20/mo, Zoho Books at $20/mo. Verified 2026-11-01.
Does Xero support HIPAA?
Xero's public pages do not say whether it supports HIPAA.
Does Xero have a free plan?
No — Xero publishes no free tier; it offers a 30-day free trial.
Xero vs alternatives
Cheaper accounting software alternatives
- FreshBooks from $23/mo
- QuickBooks Online from $20/mo
- Zoho Books from $20/mo
- Patriot Software Accounting from $20/mo
- Wave from $19/mo
More accounting software tools
Related categories
This standing as a plaque
Xero currently holds a bronze deskmark here — Rank 6 of 8 · Accounting Software. Anyone may show it. There is nothing to apply for, nothing to pay, and displaying it changes no score: the standing comes from the published algorithm, which never reads commission data. We never ask anyone to show it, and its link carries rel="nofollow".
The image is drawn from our live data, so it follows the standing rather than freezing it: if Xero moves up or down a tier, the plaque on your own site says so at our next publish. Nothing is tracked beyond the ordinary web-server log that records any image request.