Last updated 2026-05-19

Xero pricing

Q: How much does Xero cost?

Xero pricing in 2026: $15/mo (Early), $42/mo (Growing), $78/mo (Established). The model is Subscription.

Q: Is Xero worth the price?

Xero is worth the price if beautiful ux : modern, clean, mobile-friendly. matches your priorities.

Q: Does Xero have a free plan?

Check current pricing — Xero may offer trial access even without a permanent free tier.

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

Pricing summary

What Xero costs in 2026

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

ModelSubscription

Free planNo / contact sales

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.

[cta text="See Xero Plans"]

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's 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.

See full Xero review

Detailed 2026 review with hands-on testing, pros and cons, and how it compares to competitors.

Read review →

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 thorough 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 pricing 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's the cheapest alternative to Xero?

See Xero alternatives for the full list, with pricing for each option.

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