What we like
- Unlimited users on every plan
- Cheaper than QuickBooks at similar tiers
- Excellent bank reconciliation
Watch out for
- Early plan caps invoices at 20 a month
- US payroll handled via Gusto integration
Key facts
| Category | Accounting & invoicing |
|---|---|
| Free plan | No: intro discount for new customers |
| Cheapest paid plan (monthly) | $27/mo |
| Top plan | Established: $97/mo |
| Seats | Unlimited users on all plans |
| Trial / refund | Intro discount (often 80% off for 3 months) |
| Platforms | Web, iOS, Android |
Checked Oct 9, 2026 on the official site. Prices and terms change: confirm before you buy.
Xero plans & pricing
| Plan | Billed monthly | Billed yearly (per month) | Cost per year | What you get |
|---|---|---|---|---|
| Early | $27 | monthly only | $324 | 20 invoices and 5 bills a month |
| Growing | $59 | monthly only | $708 | Unlimited invoices and bills |
| Established | $97 | monthly only | $1,164 | Multi-currency, projects, expenses |
List prices for one user, checked Oct 9, 2026. Taxes extra; per-user plans multiply by seats. Vendors change plans often: confirm on Xero’s pricing page. Add it to the stack cost calculator →
Is Xero free? Free plan, trial and discounts →
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