Accounting · pricing
Xero pricing
Xero publishes 3 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 30 August 2026, Xero pricing is $13/month across 3 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- $13/month
- Model
- Subscription
- Tiers
- 3
- Free tier
- Not on record
Xero plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Early | $13/month | 5 | Entry tier |
| Growing | $37/month | 5 | +$24/month, 5 more features |
| Established | $70/month | 5 | +$33/month, 5 more features |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Early
$13/monthThe entry tier. It covers send 20 invoices, enter 5 bills, reconcile bank transactions, capture receipts, 1 user.
Growing
$37/monthOver Early, this tier adds:
- Unlimited invoices & bills
- Bulk reconcile transactions
- Short-term cash flow
- 2 users
- Multi-currency
Established
$70/monthOver Growing, this tier adds:
- Everything in Growing
- Use multiple currencies
- Track projects
- Claim expenses
- Unlimited users
What the product covers
The full Xero feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Bank reconciliation
- Invoicing
- Bill payment
- Expense claims
- Financial reporting
- Inventory tracking
- Project tracking
- Mobile apps
Integrations
- Stripe
- PayPal
- Square
- Shopify
- HubSpot
- Gusto
- Deputy
- 700+ apps
Security
- SOC2
- ISO27001
- 2FA
- Data encryption
Deployment
- Cloud deployment
Platform
- Web support
- Ios support
- Android support
- Api support
Localization
- English language support
- Spanish language support
- French language support
- German language support
People bring Xero in for small business bookkeeping, invoicing and bank reconciliation, bill payment and purchase order management, sharing books with an accountant or bookkeeper. If that is not the job you are buying for, the alternatives to Xero are worth a look before you commit to a tier.
How that compares in Accounting
Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month. Xero starts at $13/month, which puts it in line with the middle of its category.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Xero (this page) | $13/month | subscription | - | |
| Rydoo | $10/month | Per user per month | - | vs Xero |
| Happay | On request | quote | - | vs Xero |
| Moss | On request | quote | - | vs Xero |
| Mesh Payments | Free, then $13/month | Per user per month | - | vs Xero |
| Medius Expense | On request | quote | - | vs Xero |
| Ottimate | On request | quote | - | vs Xero |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Xero badges page.
Before you pay for Xero
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 3 tiers between $13/month and $70/month, with the jump itemised above. With no free tier on record, the cheapest way to answer the rest is to compare Xero against the tools that do have one before committing.
Xero runs on web, ios, android, api, and is published by Xero Limited of Wellington, New Zealand. The full record is on the Xero review, and the rest of the category is under best accounting tools.
Xero pricing questions
- How much does Xero cost?
- Xero publishes 3 tiers, from $13/month for Early up to $70/month for Established. The cheapest paid tier is $13/month.
- Does Xero have a free plan?
- Not on the record we hold: Xero is listed as subscription. Whether a free trial is offered is not something this record captures, so check the vendor's site.
- What is the difference between Early and Growing on Xero?
- Growing costs $37/month against $13/month, and adds unlimited invoices & bills, bulk reconcile transactions, short-term cash flow, 2 users.
- Is the Established plan on Xero worth it?
- That depends entirely on whether you need what it adds, which on the published record is everything in growing, use multiple currencies, track projects, claim expenses. It costs $70/month against $13/month for Early. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
- Is Xero expensive for a accounting tool?
- It starts in line with the middle of its category. Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month; Xero starts at $13/month.
- Which accounting tools can I use without paying?
- 1 of the 8 accounting tools listed alongside Xero have a free tier: Mesh Payments.
- What am I actually paying for with Xero?
- The record lists 29 features across 6 areas: other, integrations, security, deployment, platform, localization. In practice it is brought in for small business bookkeeping, invoicing and bank reconciliation, bill payment and purchase order management, sharing books with an accountant or bookkeeper.
- Does Xero charge per user?
- The record carries a price and a billing period for each of its 3 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Xero prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Xero against before paying?
- The closest accounting tools in this directory are Rydoo, Happay, Moss, Mesh Payments. Each has a side-by-side comparison with Xero covering price, platforms and features.