Best Accounting Software · pricing · Updated June 2026
Xero pricing (2026)
Xero starts at $25/mo (Early), across 3 plans. Best for Teams with many users wanting flat per-org pricing. Every figure links to Xero's own page and the date we captured it.
At a glance
- Entry price: $25/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
Xero plans & pricing
| 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 |
Last verified 2026-06-13. 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.
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 $25/mo (Early); it has 3 published plans. Verified 2026-06-13.
What are cheaper alternatives to Xero?
Cheaper accounting software than Xero (entry $25/mo) include Wave at $19/mo, QuickBooks Online at $20/mo, Zoho Books at $20/mo. Verified 2026-06-13.
Does Xero support HIPAA?
Xero HIPAA support: —. SOC 2: —. GDPR: —.
Does Xero have a free plan?
Xero free tier: No; 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