Xero Pricing 2026
Complete pricing breakdown for 2026. Compare 3 plans and find the best value.
$25
Starting Price
3
Plans Available
—
Annual Savings
Pricing verified: April 2026
Xero Plans & Pricing
Early
$ 25 /mo
- Send 20 invoices and quotes
- Enter 5 bills
- Bank reconciliation
- Receipt capture via Hubdoc
- W-9 and 1099 management
Most Popular
Growing
$ 55 /mo
- Unlimited invoices and quotes
- Unlimited bills
- Bulk reconciliation
- Optional Inventory Plus add-on
Established
$ 90 /mo
- All Growing features
- Multi-currency support (160+ currencies)
- Project tracking and time tracking
- Expense claims
- Optional Analytics Plus add-on
Pricing Highlights
Starting Price $25/mo
Free Tier Not Available
Free Trial 30 Days
Annual Discount Not Listed
Is Xero Worth It?
Best for: Small businesses and accountants who need unlimited users, multi-currency support, and AI-powered financial insights without per-seat pricing. Offers a 30-day free trial with budget-friendly entry pricing. Skip if: You need built-in payroll, US tax filing, or enterprise ERP features.
10+ hours
saved per week on average
Xero vs Competitors Pricing
| Tool | Starting Price | Free Tier | Free Trial | Annual Discount | |
|---|---|---|---|---|---|
| $25/mo | No | 30 days | — | ||
| $23/mo | No | 30 days | 10% | ||
| $20/mo | No | 30 days | — | ||
| $15/mo | Yes | 30 days | 20% | ||
| $19.99/mo | Yes | 14 days | 12% |
Xero Pricing FAQ
How much does Xero cost?
Xero pricing plans: Early at $25/mo, Growing at $55/mo, Established at $90/mo. A 30-day free trial is available.
Does Xero have a free plan?
No, Xero does not offer a permanent free plan. However, they provide a 30-day free trial to test the platform before committing.
Is there a Xero annual discount?
Annual discount information is not currently listed for Xero. Check their website for the latest pricing options.
Which Xero plan is best for teams?
For teams, we recommend the Growing plan. Key features include Unlimited invoices and quotes and Unlimited bills. It provides collaboration features and higher usage limits suited for team workflows.
Can I cancel Xero anytime?
Yes, Xero subscriptions can typically be cancelled anytime. Monthly plans end at the billing cycle; annual plans may have different terms. Check their terms of service for refund policies.
Is Xero worth the price?
Based on our research, Xero provides strong value for Cloud accounting for small businesses. Users report saving 10+ hours per week, often justifying the subscription cost within the first month.