Xero starts at $27/month flat for the whole organisation on the Early plan.
Verified Nov 2026 from the official pricing page.
Pricing Plans
Free TrialEarly
$27 / month
- US standing price as of 2026-09-01
- 20 invoices and 5 bills
- 90% off first 6 months ($2.50) until 30 Sep 2026 is a new-customer promo
- Prices increase 1 Oct 2026
Growing
$59 / month
- US standing price as of 2026-09-01
- Unlimited invoices and bills
- Auto-reconcile and performance dashboards
- Promo $5.50/mo first 6 months until 30 Sep 2026
Established
$97 / month
- US standing price as of 2026-09-01
- Multi-currency, projects, expense claims
- 180-day cash flow forecast
- Promo $9/mo first 6 months until 30 Sep 2026
Hidden Costs & Gotchas
Potential add-on costs for specific integrations
What a team pays for Xero
Toolradar data: the cheapest Xero plan that allows the whole team, as a monthly bill, with seat minimums and required fees applied. Prices confirmed on Xero's pricing page on November 12, 2026. Compare with 3 other tools.
| Team | Billed monthly | Billed annually |
|---|---|---|
| 5 users | $59/mo Growing | not confirmed |
| 20 users | $59/mo Growing | not confirmed |
| 50 users | $59/mo Growing | not confirmed |
How Xero compares
4 of 6 direct competitors offer a free plan.
| Tool | Starting price | Free plan |
|---|---|---|
| Xero | $27/month flat for the whole organisation | No |
| QuickBooks | $38/month flat for the whole organisation | Yes |
| Sage Intacct | No public price | No |
| Zoho Books | $20/month flat for the whole organisation | Yes |
| Wave | $19/month flat for the whole organisation | Yes |
| FreeAgent | £27.50/month, billing unit not specified | Yes |
| Patriot Software | $17/month, billing unit not specified | No |
Xero Pricing FAQ
How much does Xero cost?
Xero starts at $27/month flat for the whole organisation on the Early plan. It offers 3 paid tiers ranging from $27/month flat for the whole organisation to $97/month flat for the whole organisation.
Does Xero have a free plan?
Xero does not offer a permanent free plan. A free trial is available.
Does Xero offer a free trial?
Yes. Xero offers a free trial.
What is the cheapest Xero paid plan?
The cheapest paid plan for Xero is "Early" at $27/month flat for the whole organisation. Key features include: US standing price as of 2026-09-01, 20 invoices and 5 bills, 90% off first 6 months ($2.50) until 30 Sep 2026 is a new-customer promo.
What are alternatives to Xero?
Alternatives to Xero include QuickBooks, Sage Intacct, Zoho Books, Wave. QuickBooks starts at $38/month flat for the whole organisation; Zoho Books starts at $20/month flat for the whole organisation; Wave starts at $19/month flat for the whole organisation.
Does Xero have a promo code or discount code?
As of November 7, 2026, Toolradar has no Xero promo code, coupon or discount code on file. Xero's own pricing page (https://www.xero.com/us/pricing/, read November 7, 2026) does list a free trial, so you can start without a code. The vendor's page says no credit card is needed to start the trial. Offers change, so confirm the terms at checkout.
Xero alternatives
Direct competitors. Starting prices match the table above.
Sources
- Official Xero pricing: www.xero.com/us/pricing/ (verified Nov 2026)
- Cite this data: Toolradar, Xero pricing verified Nov 2026, toolradar.com/tools/xero/pricing
Review Xero, get a free AI guide
Share your experience and we will send you Improve Your Thinking Patterns Using ChatGPT, free.