Pricing · 2026

Xero pricing

Xero is the cloud accounting platform built for small and mid-market businesses, especially in the UK, Australia, New Zealand, and increasingly the US.

LC
Louis CorneloupFounder, Dupple · Updated 2026-07-20
Pricing modelSubscription
Starts at$15/mo (Early), $42/mo (Growing), $78/mo (Established)
Free planNo / contact sales

What Xero costs in 2026

Xero uses a Subscription pricing model. Current pricing: $15/mo (Early), $42/mo (Growing), $78/mo (Established).

Plans and tiers

Starter: $15/month. Send 20 invoices, enter 5 bills, reconcile bank transactions.

Standard: $42/month. Unlimited invoices and bills, multi-currency.

Premium: $78/month. Multi-currency, project tracking, advanced reporting.

Ultimate: $96/month. Includes payroll, projects, expenses, multi-entity.

Pricing varies by region. UK and Australia have different tier pricing.

What you get for the price

  • Beautiful UX: modern, clean, mobile-friendly.
  • Bank feeds work well: especially in UK/AU/NZ where most banks supported.
  • App marketplace deep: 1,000+ integrations.
  • Multi-currency: handles international business better than QuickBooks Standard.
  • Strong mobile apps: capture receipts, send invoices, reconcile from phone.

What is not included or extra-cost

  • US market depth weaker: QuickBooks dominates US.
  • Inventory management basic: works for simple stock; complex inventory needs add-ons.
  • Pricing climbs fast: multi-currency and payroll require higher tiers.
  • Reports less customizable: than QuickBooks Online Advanced.
Visit Xero →

Is Xero worth the price?

The honest answer: Beautiful UX: modern, clean, mobile-friendly. On the downside, US market depth weaker: QuickBooks dominates US.

For a side-by-side with alternatives at different price points, see Xero alternatives, or read the full Xero review.

Xero pricing FAQ

How much does Xero cost?
Xero in 2026: $15/mo (Early), $42/mo (Growing), $78/mo (Established). Model: Subscription.
Does Xero have a free plan?
Xero typically offers a free trial rather than a permanent free tier. Check current terms on their website.
Is Xero worth the price?
Worth it if beautiful ux: modern, clean, mobile-friendly. matters for your workflow.
Are there hidden costs with Xero?
Watch out for: us market depth weaker: quickbooks dominates us..
What is the cheapest alternative to Xero?
See Xero alternatives for the full list, with pricing for each option.

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