Xero Pricing
Xero costs from $20/mo up to $80/mo — about $240/year at the entry tier. There are 3 plans, and no free tier. That is below the $27/mo average for accounting tools we track.
Xero plans & prices
Every Xero plan, what it includes, and who each one suits.
What Xero costs over time
List price per plan, projected across a year. Annual prepayment is often discounted, so treat these as the ceiling rather than the final bill.
| Plan | Per month | 3 months | 12 months |
|---|---|---|---|
| Early | $20 | $60 | $240 |
| GrowingPopular | $47 | $141 | $564 |
| Established | $80 | $240 | $960 |
What each plan includes
Each tier builds on the one before it, so higher plans also include everything below them.
| Feature | Early $20 | Growing $47 | Established $80 |
|---|---|---|---|
| 20 invoices/mo | |||
| Bank reconciliation | |||
| Unlimited invoices | |||
| Bulk reconcile | |||
| Multi-currency | |||
| Projects & expenses |
Which Xero plan should you choose?
On a budget → Early ($20/mo)
The cheapest paid way in — $240 a year.
Most teams → Growing ($47/mo)
The plan Xero positions as its best-value tier for Small businesses & startups.
Scaling up → Established ($80/mo)
The full feature set — worth it once you need everything below the top row.
Is Xero good value?
Across the 4 other accounting tools we track, entry pricing averages $27/mo (from $19 to $35). Xero starts at $20/mo — below average.
| Cheaper alternative | Starts at | Rating |
|---|---|---|
| Zoho BooksAffordable accounting inside the Zoho suite | Free | 4.5/5 |
| WaveFree accounting & invoicing for tiny businesses | Free | 4.3/5 |
| FreshBooksSimple accounting built for freelancers | $19/mo | 4.5/5 |
Hidden costs to budget for
- • Per-seat plans multiply with team size — check whether the price above is per user.
- • Headline prices usually assume annual billing; paying monthly costs more.
- • Premium support, extra storage, and higher API limits are common paid add-ons.
- • Watch for renewal pricing: introductory rates often rise at the second term.
Ready to try Xero?
Check current pricing and any live offers on their site.
Frequently asked questions
How much does Xero cost?+
Xero starts at $20 per month, running up to $80 per month on its top tier. There are 3 plans in total.
Does Xero have a free plan?+
No — Xero does not offer a permanently free plan. The cheapest way in is the Early plan at $20/mo. Free trials may still be available.
How much is Xero per year?+
At the Early price of $20/mo, Xero costs about $240 per year. Many vendors discount annual billing, so the real figure is often lower if you prepay.
Is Xero expensive compared with other accounting tools?+
The 4 other accounting tools we track average $27/mo to start. Xero's cheapest paid plan is $20/mo, which is below that average.
Are there hidden costs with Xero?+
Headline prices often assume annual prepayment, and per-seat plans multiply with team size. Premium support, extra storage, and higher API limits are commonly paid add-ons — check these before you commit.