Xero Pricing Plans and Tiers
Cloud-based accounting platform with unlimited users on every plan, designed for small businesses and accountants
Pricing last verified: August 10, 2026
Get an AI breakdown of Xero's hidden costs, real cost at 10 and 50 seats, and negotiation angles.
Teams also compare these Accounting tools
Overview
Xero is an Accounting platform - cloud-based accounting platform with unlimited users on every plan, designed for small businesses and accountants. As of August 2026, Xero offers 3 pricing tiers starting from $2.5/mo [1]. Xero is accessible for freelancers and small teams.
Xero operates on a per-seat pricing model with 3 tiers available. Paid tiers start at $2.5/mo, scaling up to $9/mo for advanced features. Across 3 tiers, the feature range spans from 12 to 20 features, allowing teams to match their feature needs to budget constraints.
Xero delivers value through its per-seat approach, which makes costs transparent and proportional to team expansion. When evaluating Xero, consider your feature requirements at each price point and model how costs scale with your growth trajectory-especially with per-seat pricing, where total cost depends on your specific usage or team composition.
Pricing Plans (3)
Established
- ✓IncludedSend invoices and quotes
- ✓IncludedAccept online invoice payments^
- ✓IncludedAutomate bill entry and track bills
- ✓IncludedAuto-reconcile bank transactions (Beta)
- ✓IncludedSmart Document Capture
- ✓IncludedView real-time reports
- ✓IncludedW-9 + 1099 management
- ✓IncludedSales tax
- ✓IncludedVisualize performance with graphs
- ✓Included180 day cash flow forecast
- ✓IncludedMake online bill payments (Domestic - Free ACH)
- ✓IncludedMake online bill payments (Cross Border)
- ✓IncludedCustomize performance dashboards
- ✓IncludedTailored financial health scorecards
- ✓IncludedAnalyze KPIs and ratios
- ✓IncludedUse multiple currencies
- ✓IncludedTrack time and costs for projects
- ✓IncludedEmployee expense and mileage claims
- ✓IncludedBenchmark against the industry
- ✓IncludedMake online bill payments (International)
Growing
- ✓IncludedSend invoices and quotes
- ✓IncludedAccept online invoice payments^
- ✓IncludedAutomate bill entry and track bills
- ✓IncludedAuto-reconcile bank transactions (Beta)
- ✓IncludedSmart Document Capture
- ✓IncludedView real-time reports
- ✓IncludedW-9 + 1099 management
- ✓IncludedSales tax
- ✓IncludedVisualize performance with graphs
- ✓Included60 day cash flow forecast
- ✓IncludedMake online bill payments (Domestic - Free ACH)
- ✓IncludedMake online bill payments (Cross Border)
- ✓IncludedCustomize performance dashboards
- ✓IncludedTailored financial health scorecards
Early
- ✓IncludedSend quotes and 20 invoices†
- ✓IncludedAccept online invoice payments^
- ✓Included5 bills
- ✓IncludedReconcile bank transactions
- ✓IncludedSmart Document Capture
- ✓IncludedView real-time reports
- ✓IncludedW-9 + 1099 management
- ✓IncludedSales tax
- ✓IncludedVisualize performance with basic graphs
- ✓Included30 day cash flow forecast
- ✓IncludedMake online bill payments (Domestic - Free ACH)
- ✓IncludedMake online bill payments (Cross Border)
How does Xero pricing compare?
See how Xero's 3 pricing plans stack up against similar Accounting tools.
Frequently Asked Questions
How much does Xero cost?
Does Xero offer a free plan?
What pricing model does Xero use?
What features are included in Xero's plans?
Track Xero Pricing Changes
Get notified when pricing changes for this tool and others you follow.
Reviews
No reviews yet. Be the first to review this tool.
Sources
- Xero Official Pricing- Vendor pricing page
Are you the team behind Xero?
Claim your profile to add custom descriptions, featured badges, and direct demo links.
Related Articles
Best Finance & Accounting Tools Pricing Compared (2026)
Finance software pricing compared: QuickBooks ($35-235/mo), Xero ($15-78/mo), FreshBooks ($19-55/mo), Wave (free), Zoho Books ($0-70/mo). TCO analysis for freelancers to mid-market teams.
Best Accounting Software Pricing Compared (2026)
Dext ($29-199/mo), QuickBooks ($30-200/mo), Xero ($15-78/mo), FreshBooks ($19-55/mo). Full breakdown of accounting software plans, hidden fees, and which is best for your team size.