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Xero pricing

Xero is cloud-based accounting software designed for small to medium-sized businesses and accountants. It offers features including invoicing, online payments, bill payment, purchase orders, expense tracking, bank reconciliation, payroll integration, project tracking, and financial reporting. The platform includes AI-powered automation (JAX) to streamline routine accounting tasks and provides real-time financial insights. Xero integrates with over 1,000 business apps and supports various industries such as construction, retail, real estate, and non-profits. It offers tiered subscription plans with a free trial and public pricing.

Region
US
Source currency
USD
Audiences
Mid-market and Small business

Plans and public prices

Canonical pricing source
Plan Pricing Charged by Offer type
Early
USD 25 monthly

$2.50 per month for the first 6 months Then $25 per month

 Flat · per month Standalone · Fixed
Growing
USD 55 monthly

$5.50 per month for the first 6 months Then $55 per month

 Flat · per month Standalone · Fixed
Established Highlighted
USD 90 monthly

$9 per month for the first 6 months Then $90 per month

 Flat · per month Standalone · Fixed

What each plan includes

Feature names follow Xero’s own pricing page. Check the wording before treating features from different vendors as like-for-like.

Early

Features

Send quotes and invoices

Send quotes and 20 invoices — Invoice limits apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute to your invoice limit.

Limited
Accept online invoice payments

Payment fees apply to the use of online invoice payments.

Included
Bills

5 bills

Limited
Reconcile bank transactions
Included
Smart Document Capture
Included
View real-time reports
Included
W-9 + 1099 management
Included
Sales tax
Included
Visualize performance with graphs

Basic

Limited
Forecast cash flow

30 day forecast

Limited
Make online bill payments (Domestic)

Free ACH — Standard ACH payments are included. Fees apply for other payment methods.

Included
Make online bill payments (Cross Border)

Optional — Payment fees apply.

Limited
Budgets

3 budgets

Limited

Growing

Features

Send invoices and quotes
Included
Accept online invoice payments

Payment fees apply to the use of online invoice payments.

Included
Automate bill entry and track bills
Included
Auto-reconcile bank transactions
Included
Smart Document Capture
Included
View real-time reports
Included
W-9 + 1099 management
Included
Sales tax
Included
Visualize performance with graphs
Included
Forecast cash flow

60 day forecast

Included
Make online bill payments (Domestic)

Free ACH — Standard ACH payments are included. Fees apply for other payment methods.

Included
Make online bill payments (Cross Border)

Optional — Payment fees apply.

Limited
Customize performance dashboards
Included
Tailored financial health scorecards
Included
Budget with smart suggestions
Included

Established

Features

Send invoices and quotes
Included
Accept online invoice payments

Payment fees apply to the use of online invoice payments.

Included
Automate bill entry and track bills
Included
Auto-reconcile bank transactions
Included
Smart Document Capture
Included
View real-time reports
Included
W-9 + 1099 management
Included
Sales tax
Included
Visualize performance with graphs
Included
Forecast cash flow

180 day forecast

Included
Make online bill payments (Domestic)

Free ACH — Standard ACH payments are included. Fees apply for other payment methods.

Included
Make online bill payments (Cross Border)

Optional — Payment fees apply.

Limited
Customize performance dashboards
Included
Tailored financial health scorecards
Included
Analyze KPIs and ratios
Included
Budget with smart suggestions
Included
Use multiple currencies
Included
Track time and costs for projects
Included
Employee expense and mileage claims
Included
Benchmark against the industry
Included
Make online bill payments (International)
Included

How pricing changed

Each date shows when a public price was observed, not when it took effect. Archived captures may reflect the region or currency served at the time, so a currency change is not necessarily a price increase.

Observed Plans and prices Source wording Source
  • Early: USD 25 monthly
  • Growing: USD 55 monthly
  • Established: USD 90 monthly
  • $2.50 per month for the first 6 months Then $25 per month
  • $5.50 per month for the first 6 months Then $55 per month
  • $9 per month for the first 6 months Then $90 per month
Official pricing page
  • Early — default: USD 25 monthly · USD 25 / month with annual commitment
  • Growing — default: USD 55 monthly · USD 55 / month with annual commitment
  • Established — default: USD 90 monthly · USD 90 / month with annual commitment
  • Then $25 per month
  • Then $55 per month
  • Then $90 per month
Official pricing page

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