Xero pricing in 2026: every plan, what it costs and who it suits
Let's put real numbers on Xero and what each plan gets you. A accounting tool, Xero comes with paid plans only. The paid plans below reflect its published pricing when this page was written.
Unlimited users at a flat price makes it the value pick for teams and accountant collaboration. Xero keeps things paid-only, so budget for a subscription from day one. Cloud accounting with unlimited users on every plan, strong bank reconciliation and a huge app marketplace; popular with accountants outside the US.
Plans & pricing tiers
| Plan | Price (approx.) | What's included |
|---|---|---|
| Early | ~$25/mo | Capped 20 invoices / 5 bills |
| Growing | ~$55/mo | Unlimited invoices and bills |
| Established | ~$90/mo | Multi-currency, projects, expenses, analytics |
These numbers are approximate and shift as vendors revise plans, so double-check the latest on the official site before buying.
Prices verified 2026-06-28 from public vendor pricing. Plans and prices change — always confirm on the vendor's own site. No price here is guaranteed.
What you're paying for
What the paid plans put in your hands with Xero:
- Unlimited users on every plan with no per-seat fee
- Core accounting: bank reconciliation, invoicing, bills, sales tax
- Hubdoc document capture included
- Multi-currency, project tracking and analytics on the Established plan
- Large app marketplace (1,000+ integrations)
Which capabilities land on which plan depends on the tier, so use the table above to match features to budget.
Which plan to pick
Xero is built for non-US SMBs and accountants who want unlimited seats and a huge app ecosystem. That points most buyers to the Early plan (~$25/mo) as a starting point, with a step up only when accountants forces it.
Is Xero worth it?
Paid access starts at roughly $20 per month. For unlimited users, the entry tier is usually enough to get real value; you mainly move up a plan when you need accountants. Budget-conscious buyers should price the entry tier against competitors before deciding.
Pricing watch-outs
- Cheapest Early plan caps invoices (20) and bills (5) per month.
- Every plan includes unlimited users at no extra cost.
Drawn from independent reviews and the vendor's own plan details (see sources below).
Xero keeps pricing relatively flat per tier, so the main decision is which plan's features you need rather than how heavily you'll use it.
Pricing FAQ
Does Xero have a free plan?
Xero is a paid tool without a standing free plan; check its site for any current trial or money-back window.
How much does Xero cost?
Its cheapest paid plan, Early, lists at ~$25/mo. Paid access starts at roughly $20 per month. The exact bill depends on billing cycle and how many seats or how much usage you need.
Is there a cheaper alternative to Xero?
There are cheaper accounting options that cover the core job; the Xero alternatives page lines up their entry costs for you.
Is Xero worth the price for unlimited users?
For unlimited users it generally earns its cost at the entry tier; if that's only a side need, weigh it against a cheaper specialist first.
Which Xero plan should I choose?
For non-US SMBs and accountants who want unlimited seats and a huge app ecosystem, the Early plan (~$25/mo) is the usual place to begin; only climb a tier once accountants genuinely calls for it.
Sources
We pulled the Xero pricing and feature details here from these primary and third-party sources: