Xero pricing 2026: plans and costs
How AI answers describe Xero pricing
Sources: Official pricing pages for Wave, QuickBooks, Xero and FreshBooks.
Compared to: QuickBooks Online · Zoho · Sage Intacct
- Examples include Zoho Books at $0–$70/month, Xero at $25–$90/month, FreshBooks at $23–$70/month, and QuickBooks Online at $38–$340/month.
- Xero: 30-day free trial on its plans.
- The accounting software with the clearest public pricing is generally Xero, FreshBooks, Wave, Zoho Books, and Patriot Software.
Quick pricing summary
- Early: $27 month
- Growing: $59 month
- Established: $97 month
- Worth noting: New US customers get 80% off base plans for the first 3 months (Early $5.40, Growing $11.80, Established $19.40/mo). Billed monthly, auto-renews. No per-user fees. Free onboarding with a Xero Coach for first 90 days. Prices exclude taxes; payment fees extra.
Plans
Early
$27 month
- Send quotes and 20 invoices
- Accept online invoice payments
- Enter 5 bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Basic graphs
- 30 day cash flow forecast
- Online bill payments (Domestic - Free ACH)
- Online bill payments (Cross Border)
Growing
$59 month
- Everything in Early
- Send invoices and quotes
- Automate bill entry and track bills
- Visualize performance with graphs
- 60 day cash flow forecast
- Customize performance dashboards
- Tailored financial health scorecards
- Budget with smart suggestions
- Auto-reconcile transactions
Established
$97 month
- Everything in Growing
- 180 day cash flow forecast
- Analyze KPIs and ratios
- Use multiple currencies
- Track time and costs for projects
- Employee expense and mileage claims
- Benchmark against the industry
- Online bill payments (International)
What you get on each plan
| Feature | Early | Growing | Established |
|---|---|---|---|
| Send invoices and quotes | Send quotes and 20 invoices | ✓ | ✓ |
| Accept online invoice payments | ✓ | ✓ | ✓ |
| Automate bill entry and track bills | Enter 5 bills | ✓ | ✓ |
| Reconcile bank transactions | ✓ | ✓ | ✓ |
| Smart Document Capture | ✓ | ✓ | ✓ |
| View real-time reports | ✓ | ✓ | ✓ |
| W-9 + 1099 management | ✓ | ✓ | ✓ |
| Sales tax | ✓ | ✓ | ✓ |
| Visualize performance with graphs | Basic | ✓ | ✓ |
| Forecast cash flow | 30 day forecast | 60 day forecast | 180 day forecast |
| Online bill payments (Domestic) | Free ACH; fees apply for other methods | Free ACH; fees apply for other methods | Free ACH; fees apply for other methods |
| Online bill payments (Cross Border) | Optional, payment fees apply | Optional, payment fees apply | Optional, payment fees apply |
| Customize performance dashboards | — | ✓ | ✓ |
| Tailored financial health scorecards | — | ✓ | ✓ |
| Analyze KPIs and ratios | — | — | ✓ |
| Budget with smart suggestions | — | 3 budgets | ✓ |
| Use multiple currencies | — | — | ✓ |
| Track time and costs for projects | — | — | ✓ |
| Employee expense and mileage claims | — | — | ✓ |
| Benchmark against the industry | — | — | ✓ |
| Online bill payments (International) | — | — | ✓ |
| Auto-reconcile transactions | Optional $5.00 per month | ✓ | ✓ |
| Xero Payroll, powered by Gusto | Optional $36 a month + $6 per employee/contractor | Optional $36 a month + $6 per employee/contractor | Optional $36 a month + $6 per employee/contractor |
| Inventory Plus | — | Optional | Optional |
Hidden costs & add-ons
| Cost driver | Price | When it applies |
|---|---|---|
| Auto-reconcile transactions | $5.00 per month | Early |
| Xero Payroll, powered by Gusto | $36 a month + $6 per employee/contractor | Early, Growing, Established |
| Inventory Plus | Not stated | Growing, Established |
Xero pricing vs alternatives
| Brand | Entry price | Free plan | Model | Best for | |
|---|---|---|---|---|---|
| Xero | $27 / mo | No | Flat tiers | — | |
| QuickBooks Online | — | — | — | Small and mid-market businesses | Compare → |
| Zoho | — | — | — | Businesses of all sizes, from startups to enterprises, wanting one suite for sales, support, finance and HR | Compare → |
| Sage Intacct | — | — | — | — | Compare → |
| FreshBooks | $23 / mo | No · 30-day trial | Flat tiers | Freelancers, solopreneurs and small service-based businesses with employees or contractors | Compare → |
List prices as published on www.xero.com/us/pricing-plans/. Totals are worked examples, not quotes.