Xero Pricing Explained: Plans, Costs and What You Get

Xero pricing runs from $27 to $97 a month in the US across three plans. Every plan includes unlimited users. This guide breaks down each plan and its limits.

By Galactic News Editorial · Published 2026-11-09T04:26:11+00:00 · Updated 2026-11-09T04:26:11+00:00

Xero Pricing Explained: Plans, Costs and What You Get

Xero pricing in the US is simple on the surface. There are three plans: Early at $27 a month, Growing at $59 a month, and Established at $97 a month. Every plan includes unlimited users at no extra charge. There is no annual billing option in the US. You pay monthly, and you can cancel with one month of notice.

The real question is which plan fits your business. Early looks cheap, but it caps invoices and bills. Growing removes those caps. Established adds multi-currency support, projects, and expense claims. This guide explains each plan, the limits that matter, and the extra costs that can push your bill higher.

Xero pricing at a glance

The table below shows the three US plans and their regular monthly prices. Prices exclude tax. New US customers can get 80% off the base plan for the first three months, based on the offer shown on the official pricing page.

All three plans are billed monthly. Xero does not list an annual prepay discount on its US pricing page. That means the monthly price is the price, every month. Promotional discounts apply only to the first months for new customers. After the promotion ends, the regular price applies.

Xero Early: $27 a month

Early is the entry plan. It suits a new business that sends only a few invoices each month. The plan includes quotes, 20 invoices a month, and 5 bills a month. The invoice limit applies to both approving and sending invoices. It also includes a 30-day cash flow forecast.

The limits are the catch. A business that sends more than 20 invoices in a month will hit the cap fast. Each invoice over the limit is a problem. You would need to upgrade to Growing to keep sending invoices. Early also lacks automatic bank reconciliation. That feature costs $5 a month as an add-on on Early. It is included free on the two higher plans.

Early still includes the core accounting tools. You get bank reconciliation, invoicing, quotes, bill entry, and standard reports. You also get unlimited users. That last point matters. Many accounting tools charge per user. Xero does not. A team of five pays the same as a team of one.

Xero Growing: $59 a month

Growing is the plan most small businesses land on. It removes the invoice and bill caps from Early. You can send as many invoices and enter as many bills as you need. It also includes automatic bank reconciliation at no extra cost.

Growing adds a few extras. It includes up to 3 budgets and extends the cash flow forecast to 60 days. It also includes dashboards and automated bill entry. For a business with steady monthly invoicing, Growing is the sensible default. The jump from $27 to $59 is large. But the Early caps make the cheaper plan a false economy for most active businesses.

Growing still lacks some features. Multi-currency support is not included. Project tracking is not included. Expense claims are not included. If you need any of those, you need Established.

Xero Established: $97 a month

Established is the full-featured plan. It adds multi-currency support, so you can invoice and pay in foreign currencies. It adds projects, with time and cost tracking. It adds employee expense claims and mileage tracking. The cash flow forecast extends to 180 days. Budgets have no stated number limit.

Established also adds KPI and ratio analysis, industry benchmarking, and international bill payments. These tools suit a business that is growing fast or trading across borders. For a purely domestic business with simple needs, Established is more than you need. For a business with overseas clients or project work, it is the only plan that covers everything.

Add-ons and extra costs

The plan price is not always the full bill. Xero sells several add-ons. Payroll is the biggest one. Xero Payroll, powered by Gusto, costs $36 a month plus $6 per person paid. It is a separate subscription. It is not included in any plan.

Payment processing fees are another extra. If you accept online payments on invoices, the payment provider charges a fee. Standard ACH payments are included in all three plans. Fees apply for other payment methods. These fees sit on top of your monthly subscription. They are not covered by subscription discounts.

Other add-ons include expense management tools and third-party apps from the Xero App Store. Many apps charge their own monthly fee. Before you commit, add up the plan price plus payroll plus any apps you need. The total can be far above the headline price.

How to choose the right Xero plan

Start by counting your invoices. If you send fewer than 20 invoices a month and enter fewer than 5 bills, Early can work. If you send more, choose Growing. The invoice cap is the single biggest reason businesses upgrade.

Next, check your currency needs. If you invoice clients in another currency, you need Established. There is no multi-currency add-on for the lower plans. The same applies to project tracking and expense claims. If your team tracks billable hours, Established is the only option.

Then consider the trial. Xero offers a 30-day free trial. It gives full access to all features. No credit card is required to start. Use the trial to test the features you need. Try invoicing, bank reconciliation, and reporting. At the end of the trial, your data becomes read-only until you pick a paid plan. Export anything important before the trial ends.

Finally, watch the promotions. New customers often get a large discount for the first three to six months. The discount ends. Budget for the regular price, not the promotional price. A plan that looks cheap for three months may not look cheap in month four.

Xero pricing vs the competition

Xero sits in the middle of the accounting software market. It costs more than Zoho Books, which starts at $15 a month and has a free plan. It costs less than QuickBooks Online at the top end. The unlimited-users policy is Xero's biggest pricing advantage. A business with five bookkeepers pays the same as a sole trader.

The biggest pricing weakness is the Early plan. Its invoice cap is tight. Many new businesses outgrow it within months. That makes Growing the real starting price for most users, at $59 a month. Compare that number, not the $27 headline, when you weigh Xero against its rivals.

Bottom line

Xero pricing is $27 a month for Early, $59 for Growing, and $97 for Established. All plans include unlimited users. Growing is the best fit for most small businesses. Early is too limited for active invoicing. Established is worth it only if you need multi-currency, projects, or expense claims. Use the 30-day free trial to test the features. Budget for the regular price after any introductory discount ends. And add payroll and payment fees to your total before you decide.