Published by Al Rose Last Updated on June 11, 2025
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Are you a US business owner looking to streamline your accounting and cut costs? In this guide, we’ll share the latest Xero discount codes exclusive to the United States, show you exactly how to claim up to 90 % off for six months, outline eligibility criteria, and explain why Xero remains America’s favourite cloud-based accounting platform.
Why US Businesses Choose Xero
From coast to coast, small and medium-sized enterprises rely on Xero to simplify bookkeeping, invoicing and payroll. Here’s why American entrepreneurs love Xero:
Automated Bank Feeds:
Connect to major US banks—Chase, Bank of America, Wells Fargo, Citibank—so transactions import automatically and reconciliation takes seconds.
1099 & Payroll Compliance:
Xero integrates with Gusto (native payroll add-on) to handle W-2 and 1099 filings, calculate federal and state-withholding taxes, and generate year-end tax forms seamlessly.
Real-Time Reporting & Dashboards:
Instant Profit & Loss statements, Balance Sheet and Cash Flow reports give you a live snapshot of your financial health—on desktop or mobile.
Mobile Accounting App:
Issue invoices, reconcile bank transactions and snap receipt photos from anywhere with Xero’s fully featured iOS and Android apps.
Multi-Entity & Multi-Currency:
Perfect for US companies doing business internationally—invoice in Euros (EUR), Canadian Dollars (CAD), Australian Dollars (AUD) or any other supported currency.
Extensive App Ecosystem:
Over 1,000 integrations including American favourites like Bill.com (AP automation), Expensify (expense reporting), Shopify (ecommerce), PayPal, Stripe and Gusto (payroll).
Dedicated US Support & Community:
Xero’s US-based customer support team and local user groups (e.g. Xero Meetup in New York, Silicon Valley) provide region-specific guidance and best practices.
Whether you run a Seattle coffee shop, a Houston landscaping business or an ecommerce brand based in Miami, Xero’s US-centric features and rock-solid automation save hours each week—allowing you to focus on growing your company.
Current Xero Discount Codes for the USA
We’ve secured an exclusive discount code for US businesses:
Save 90 % on any Xero subscription for the first six months (Starter, Standard or Premium plan). This is more than a free trial—it’s a substantial saving designed to help your organisation keep overheads low as you get established or scale.
Note: If you prefer slightly different terms, you can also opt for 75 % off for six months via the same partner page.
How to Redeem Your 90 % Xero Discount
Visit our dedicated US Xero partner page (link at the end of this post).
Select your plan:
Starter (ideal for freelancers and micro-businesses)
Standard (recommended for most small businesses)
Premium (includes multi-currency for up to 10 currencies, and project tracking)
Register as a new customer—no credit card is required at signup.
4. Your 90 % discount is automatically applied at checkout.
Claim Your 90 % Discount NowTip: To lock in 75 % off instead, scroll down on the partner page and select the “75 % off” option.
Eligibility Criteria for US Xero Discount Codes
Before you click “Claim,” ensure you meet these guidelines:
New US Customers Only: Must be based in the United States (valid EIN, SSN or ITIN) and have never held a paid Xero subscription before.
Not Valid with Other Offers: Cannot be combined with any other promotional codes, partner deals or third-party discounts.
Base Subscription Only: Applies to the monthly fee of Starter, Standard or Premium plan. Add-ons (payroll, additional users, advanced analytics) will be charged at standard rates.
Limited Time Offer: This 90 % discount is valid until [insert expiry date] or until allocated partner codes are exhausted—whichever comes first.
If you don’t qualify for the 90 % code, keep an eye on this page—Xero periodically releases special offers (e.g. 50 % off for six months) for returning customers or accountants.
Xero’s three main plans in the USA are priced in US dollars as follows. All prices exclude sales tax; tax rates will be applied at checkout.
Plan
Starter
Standard
Premium
Monthly Cost
$13
$31
$42
Invoices
Up to 20/month
Unlimited
Unlimited
Bills
Up to 5/month
Unlimited
Unlimited
Bank Recs
Unlimited
Unlimited
Unlimited
Multi-Currency
✗
✗
✓ (up to 10 currencies)
Projects
✗
✓
✓
Payroll
Add-on ($6/user/month via Gusto)
Add-on ($6/user/month)
Add-on ($6/user/month)
After 6 months: Your subscription reverts to the standard monthly rate of the plan you originally chose. You may upgrade, downgrade or cancel at any time—no penalties or hidden fees.
Xero’s Key Features (US Edition)
Automated Bank Feeds & Reconciliation
Connect seamlessly to major US banks (Chase, Bank of America, Wells Fargo, Citibank, US Bank).
Transactions import daily; apply custom categorisation rules to speed up reconciliation.
1099 & Payroll Compliance
Native payroll (via Gusto add-on, $6/user/month) handles W-2 and 1099 contractor filings, calculates federal and state withholding tax, and generates year-end forms (W-2, 1099-MISC, 1099-NEC).
Single Touch Payroll (STP) is an Australian feature, but in the US, Xero’s Gusto integration ensures you remain compliant with IRS and state agencies—filing electronically where required.
Professional Invoicing & Payments
Customise branded invoice templates, include payment terms, automatically calculate sales tax per state (CA, NY, TX, FL etc.) and accept online payments via Stripe, PayPal, Square or Authorize.Net.
Automated invoice reminders and recurring billing accelerate cash flow.
Built-in sales tax liability reports show what you owe to state and local tax authorities, updated to the minute.
Hubdoc Receipt Capture (Included)
Snap paper receipts with your smartphone camera or forward emailed receipts to Hubdoc. Its OCR engine extracts vendor, date and amount, then publishes a draft expense or bill in Xero—ready for your review-and-approve workflow.
Mobile App (iOS & Android)
Create and send invoices, reconcile bank lines, capture receipts and approve bills while on the go.
Push notifications for outstanding invoices and bank feed errors keep you informed.
1,000+ App Integrations
US favourites:
Bill.com: Automated accounts payable and receivable workflows.
Expensify: Employee expense management and corporate card reconciliation.
Shopify: Ecommerce sales sync directly into Xero.
Square: Point-of-sale integration for retail businesses.
Global favourites: Stripe, PayPal, Gusto, and many more.
Multi-Currency & Multi-Entity (Premium Plan)
Invoice clients in CAD, GBP, EUR, AUD and more (up to 10 currencies).
Manage multiple US-based entities or LLCs under a single Xero login, with consolidated reporting for shareholders or investors.
Pros & Cons for US Businesses
Pros
Robust US Tax Compliance
Automated sales tax tracking by state and county.
Gusto payroll ensures W-2, 1099 filings are completed accurately.
Ease of Use & Intuitive Design Even first-time users can send an invoice within minutes. Hubdoc automates receipt capture, and the dashboard highlights key metrics at a glance.
Extensive American App Ecosystem From Bill.com and Expensify to Square and Shopify, Xero integrates seamlessly with the tools US businesses already use—reducing manual data entry.
Cloud-First & Mobile Real-time data is accessible from any device. No on-premise server or VPN required—ideal for remote or distributed teams.
Scalability Start as a sole proprietor—then add contractors, expand to multiple states or even invoice internationally without migrating platforms.
Cons
Add-On Costs Can Accumulate Gusto payroll ($6/user/month), Hubdoc (included), advanced analytics, and multiple user seats add extra monthly fees. Be sure to factor in total cost of ownership.
Learning Curve for Complex Scenarios Sales tax by state, multi-entity consolidation, or class tracking may require a bookkeeper or CPA to configure.
No Desktop-Only Mode A stable internet connection is required. Although the mobile app has offline drafting of invoices, full reconciliation and reporting demand online access.
Xero vs. US Alternatives
Below is a comparison of Xero (with a 90 % discount for six months), QuickBooks Online and Wave (free tier), focusing on what US small businesses care about most.
Feature
Xero (90 % Off for 6 Months)
QuickBooks Online (Simple Start)
Wave (Free)
Monthly Cost (pre-discount)
$13 / $31 / $42
$20 / $40 / $80
$0 (core features)
Effective Monthly Cost (6 months)
$1.30 / $3.10 / $4.20
$10 / $20 / $40
$0
Bank Feeds & Reconciliation
Unlimited + Hubdoc
Unlimited + Receipt Capture
Unlimited (bank feeds)
Sales Tax & Reporting
Built-in, live liability reports
Built-in, live liability reports
Limited sales tax tracking
Payroll (W-2/1099)
Gusto integration ($6/user/month)
Native payroll ($45+ per month)
Wave Payroll (paid add-on)
Multi-Currency
Premium plan (10 currencies)
Advanced plan (10+ currencies)
✗
Mobile App Functionality
Full bookkeeping (bank rec, invoicing, expenses)
Strong invoicing & expense capture
Basic invoicing & receipt capture
App Integrations
1,000+ apps
600+ apps
Limited (Stripe, PayPal, etc.)
Customer Support
24/7 Email & Chat + US Phone
Extended Email/Chat + US Phone
Email & Chat (limited hours)
Verdict: While Wave’s free tier is attractive, it lacks multi-currency and robust payroll features. QuickBooks Online is solid, but Xero’s combination of cost-effective promotion, seamless Gusto payroll, and powerful Hubdoc automation usually delivers greater long-term value. Even after the 90 % discount expires, Xero remains highly competitive—especially if you plan to grow across multiple states or internationally.
Real US Businesses, Real Savings
Frequently Asked Questions
Can I use the 90 % discount code if I’ve already tried Xero’s free trial?
Yes. The 30-day free trial is a separate promotion. As long as you’ve never held a paid Xero subscription before, you qualify for the 90 % discount—even if you previously started a trial.
What happens after my six-month discount ends?
Your subscription reverts to the standard rates listed in the “Subscription Tiers” table above. You can upgrade, downgrade or cancel at any point—no penalties or hidden fees.
How does Xero handle sales tax across different states?
Xero’s built-in sales tax tool lets you assign a tax rate to each sales or purchase transaction. It automatically calculates state- and local-level sales tax (where supported) and generates a live sales tax liability report to help you file returns.
Does Xero offer industry-specific customisations for US businesses?
Yes. Popular US-centric add-ons include:
Bill.com: Automated accounts payable and receivable workflows.
Expensify: Employee expense management, corporate card reconciliation.
Square: Point-of-sale integration for retail and restaurants.
Shopify: Ecommerce sync for online stores.
Is customer support available in all US time zones?
Xero provides 24/7 email and live chat support. Phone support is available during extended US business hours (Eastern to Pacific). An extensive online knowledge base and community forum are also available around the clock.
Choosing the right accounting software can be a game-changer for US businesses—whether you’re a solo freelancer, a growing startup, or an established SME with multiple locations. Xero’s combination of automated bank feeds, seamless Gusto payroll, multi-currency support, and Hubdoc automation makes it a standout choice. And with our exclusive 90 % discount for six months, there’s never been a better time to make the switch.
Ready to simplify your accounting and save hundreds?
Claim your 90 % Xero discount nowbefore this limited-time offer expires!
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