Xero Pricing, Plans, and Availability

#2 in Accounting Software

by Xero · xero.com

Cloud accounting software for small businesses and accountants with invoicing, bank reconciliation, and reporting.

#2Accounting SoftwareSmall business
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Pricing at a glance

◇ Pricing model

Three public monthly subscription tiers in USD, plus a one-month-free promotion and a 3-month introductory discount for eligible new US customers. Additional fees can apply for payment methods, usage, and add-ons.

↻ Billing notes

Xero’s US subscriptions auto-renew monthly until cancelled, and the pricing page says you can change to a less expensive plan one month after upgrading. The company offers a one-month-free promotion on any plan, and also advertises an 80% off introductory offer for the first 3 months for eligible new US customers purchasing their first organization on xero.com using the stated code. The pricing page says all prices are listed in USD, do not include applicable taxes, and that the monthly recurring total is updated during checkout. The developer pricing page separately states that its billing cycle is monthly, resets on the first day of the calendar month, and that payments are taken via registered credit card.

Plans and pricing

3 tiers

Early

Monthly
$5 per month for the first 3 months, then $25 per month
  • Send quotes and 20 invoices
  • Accept online invoice payments
  • 5 bills
  • Reconcile bank transactions
  • Smart Document Capture
  • View real-time reports

Invoice limits apply to both approving and sending invoices. The plan includes 20 invoices and 5 bills.

Growing

Monthly
$11 per month for the first 3 months, then $55 per month
  • Send invoices and quotes
  • Accept online invoice payments
  • Automate bill entry and track bills
  • Auto-reconcile bank transactions (Beta)
  • Smart Document Capture
  • View real-time reports

No public invoice or bill count limit was disclosed on the pricing page.

Established

Monthly
$18 per month for the first 3 months, then $90 per month
  • Send invoices and quotes
  • Accept online invoice payments
  • Automate bill entry and track bills
  • Auto-reconcile bank transactions (Beta)
  • Smart Document Capture
  • View real-time reports

No public usage cap was disclosed for standard plan usage in the supplied pricing page text.

Add-ons and extras

Inventory Plus

Not publicly disclosed

Listed as an optional add-on on the US pricing page for the Established and Growing plans. The supplied pricing page text does not disclose a public dollar amount for this add-on.

Evidencexero.com

Hidden and indirect costs

Worth budgeting for
⚠  Xero states that payment fees may apply to online invoice payments and online bill payments, and that these fees are in addition to the monthly subscription amount. The pricing page also says add-ons, usage, and payment fees are not eligible for subscription discounts and offers unless otherwise specified. Taxes are extra and are calculated based on billing address before payment information is entered, so the displayed plan prices are not the full amount a buyer may pay.
⚠  The pricing page also notes that some payment methods other than standard ACH may incur fees, and that international or cross-border payments are excluded from the included standard ACH payment coverage. For the developer pricing page, overage data egress is billed separately at published per-GB rates for some tiers, but that developer pricing applies to app usage rather than the core small-business subscription plans.

What buyers actually pay

A solo founder or very small business that mostly sends a limited number of invoices and bills each month.

Expected cost$5 per month for the first 3 months, then $25 per month, plus any applicable taxes and payment fees.
Early plan subscription pricePotential online invoice payment feesPotential bill payment method feesApplicable taxes

A growing business that wants dashboards, automation, and broader operational features.

Expected cost$11 per month for the first 3 months, then $55 per month, plus any applicable taxes and payment fees.
Growing plan subscription pricePossible optional add-ons such as Inventory PlusPotential online invoice payment feesPotential bill payment method feesApplicable taxes

A scaling business that needs multi-currency, project tracking, and deeper analytics.

Expected cost$18 per month for the first 3 months, then $90 per month, plus any applicable taxes and payment fees.
Established plan subscription pricePotential online invoice payment feesPotential bill payment method feesApplicable taxesAny optional add-ons
Evidencexero.com

Pricing FAQ

Yes. Xero says purchase any plan and the first month will be free. The company also repeats this offer on the product site as “Get one month free.” The free month begins after you finalize your business and set up in Xero, and you are charged starting with the second month unless you cancel.

The supplied pricing page shows monthly pricing for the public US plans and says subscriptions auto-renew monthly until cancelled. In the same FAQ area, Xero says if you ask about annual billing, you’ll receive your invoice at the end of your monthly billing period. Based on the supplied text, annual public subscription pricing is not disclosed.

No. Xero says all prices are listed in USD and do not include applicable taxes. It also says payment fees may apply to online invoice payments and online bill payments, and those fees are in addition to the monthly subscription amount.

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