Complete Xero Pricing Guide for 2026

Looking for transparent Xero pricing information? This guide breaks down all Xero plans, costs, and shows you how to save 90% on your subscription.

Xero Pricing Overview

Plan	Regular Price	With 90% Discount	Best For
Starter	$32/month	$15/month	Freelancers, solopreneurs
Standard	$65/month	$30/month	Small businesses
Premium	$78/month	$40/month	Growing businesses

Note: Prices shown are USD. Regional pricing varies slightly by country.

Xero Plan Comparison: What’s Included?

Xero Starter Plan ($32/month → $15 with discount)

Transaction Limits:

• ✅ 20 invoices per month
• ✅ 5 bills per month
• ✅ Bank reconciliation (up to 20 transactions)

Features:

• ✅ Unlimited users
• ✅ Send quotes and invoices
• ✅ Capture bills and receipts
• ✅ Bank connections
• ✅ Basic reporting
• ✅ Mobile app access
• ❌ Multi-currency
• ❌ Project tracking
• ❌ Expense claims

Best for: Freelancers, consultants, or very small businesses with low transaction volume.

Xero Standard Plan ($65/month → $30 with discount)

Transaction Limits:

• ✅ Unlimited invoices
• ✅ Unlimited bills
• ✅ Unlimited bank reconciliation

Everything in Starter, plus:

• ✅ Bulk invoice coding
• ✅ Expense claims
• ✅ Purchase order management
• ✅ Advanced reporting
• ❌ Multi-currency
• ❌ Project tracking

Best for: Most small businesses with regular invoicing and bill payment needs.

Xero Premium Plan ($78/month → $40 with discount)

Everything in Standard, plus:

• ✅ Multi-currency support (160+ currencies)
• ✅ Project tracking & costing
• ✅ Expense claims with multi-level approval
• ✅ Advanced analytics
• ✅ Priority support

Best for: Growing businesses, international companies, or project-based businesses.

Additional Xero Costs (Add-ons)

Beyond the base subscription, you may need these add-ons:

Xero Payroll

• US Payroll: $40/month + $6 per employee
• UK Payroll: Included in subscription for up to 5 employees
• AU/NZ Payroll: Included in Standard & Premium plans

Hubdoc

• Document management & receipt capture
• Cost: Free for Xero subscribers

Third-Party Apps

• Inventory management (e.g., Cin7, Unleashed): $50-300/month
• CRM (e.g., HubSpot, Salesforce): Varies
• E-commerce connectors (Shopify, WooCommerce): $10-50/month

How to Save 90% on Xero

Xero rarely offers discounts directly, but we’ve partnered with Xero to provide an exclusive offer:

Savings Example:

• Standard Plan: Save $315 over 6 months
• Premium Plan: Save $390 over 6 months

Xero vs Competitors: Price Comparison

Software	Starting Price	Unlimited Users?
Xero	$15/mo (with discount)	✅ Yes
QuickBooks Online	$30/mo	❌ No (1 user)
FreshBooks	$19/mo	❌ No (limited)
Sage Business Cloud	$25/mo	❌ No (1 user)
Wave	Free	✅ Yes (but limited features)

Winner: Xero offers the best value, especially with unlimited users and the 90% discount.

Is Xero Worth the Cost?

Let’s break down the ROI:

Time Savings

Xero automates many accounting tasks:

• Bank reconciliation: Save 5-10 hours/month
• Invoice creation: Save 2-3 hours/month
• Report generation: Save 3-5 hours/month

Total time saved: 10-18 hours/month

Value (at $50/hour): $500-900/month

Accountant Savings

With Xero, your accountant needs less time to:

• Review transactions (already categorized)
• Prepare tax returns (reports ready)
• Answer questions (real-time access)

Potential savings: $200-500/month in accounting fees

Error Reduction

Automated bank feeds and reconciliation reduce costly accounting errors.

Bottom line: Even at full price, Xero pays for itself. With 90% off, it’s a no-brainer.

Which Xero Plan Should You Choose?

Choose Starter if:

• You’re a freelancer or solopreneur
• You send less than 20 invoices/month
• You have simple accounting needs
• You don’t need multi-currency

Choose Standard if:

• You run a small business with regular transactions
• You need unlimited invoicing
• You have employees submitting expenses
• You want full reporting capabilities

Choose Premium if:

• You operate internationally (multi-currency)
• You run project-based work
• You need advanced analytics
• You want priority support

Most popular: Standard plan (best balance of features & price)

Frequently Asked Questions

Can I change plans later?

Yes! You can upgrade or downgrade at any time. Changes take effect immediately, and you’re only billed the difference.

Does Xero have a free trial?

Yes, Xero offers a 30-day free trial. However, our 90% discount for 6 months is a better deal than the trial.

What payment methods does Xero accept?

Xero accepts credit cards (Visa, Mastercard, Amex) and direct debit in some regions.

Can I cancel Xero anytime?

Yes, Xero is month-to-month with no long-term contracts. You can cancel at any time.

Is the discount available in my country?

Yes! The 90% discount works in all countries where Xero operates: US, UK, Australia, New Zealand, Canada, Singapore, South Africa, and more. See country-specific pages.

Prices accurate as of May 2026. Prices may vary by region.