Xero Pricing 2026, Xero Cost, Xero Pricing Plans and the October 1 Price Increase
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In short
Xero costs $27 a month for Early, $59 for Growing and $97 for Established in the US. Those prices took effect on October 1, 2026 for new and existing subscribers, up from $25, $55 and $90. Every plan is priced per organization with unlimited users. Early caps you at 20 invoices and 5 bills a month and charges $5 a month extra for auto-reconcile; Growing removes the caps; Established adds multiple currencies, project tracking and expense claims. New US customers currently get 80% off the first 3 months. Payroll, powered by Gusto, is an optional $36 a month plus $6 per employee or contractor. Prices were read from xero.com/us/pricing-plans on October 1, 2026.
The honest read
Xero is one of the few accounting products where the monthly price is close to the real price, because it never charges per user. The catches are elsewhere: a hard monthly invoice cap on the cheapest plan that also counts invoices your connected apps create, a payroll add-on that scales with headcount, and an October 2026 increase that also ended the multi-organization discount for anyone running two or more sets of books. This page gives the monthly and yearly cost of each plan at the current prices, the old prices for reference, the first-year cost with the new-customer offer, what each tier actually unlocks, how Xero compares on cost with QuickBooks, Zoho Books and FreshBooks, and where a creator or online seller can spend less.
Published prices
Xero pricing 2026, every US plan before and after October 1
US prices from xero.com/us/pricing-plans, read on October 1, 2026, with the old prices from Xero's price update notice. Prices are per organization per month, before sales tax, with unlimited users on every plan. The first-year column uses the current new-customer offer, 80% off for 3 months, then 9 months at full price.
| Plan | Price now, since October 1, 2026 | Old price, until September 30, 2026 | Change a month | Yearly cost at full price | First year with 80% off for 3 months | Invoices and bills |
|---|---|---|---|---|---|---|
| Early | $27 | $25 | +$2 | $324 | $259.20 | 20 invoices, 5 bills a month |
| Growing | $59 | $55 | +$4 | $708 | $566.40 | Unlimited |
| Established | $97 | $90 | +$7 | $1,164 | $931.20 | Unlimited |
The increase is 8% on Early, 7.3% on Growing and 7.8% on Established and applies to new and existing US subscribers from October 1, 2026. Promo codes you already held keep applying to the new price until they expire. The multi-organization discount was phased out on the same date. The 80% off offer covers the base plan only, not add-ons, payroll or payment fees.
Published prices
What each Xero plan includes
From the plan cards and the comparison grid on Xero's US pricing page. Features shared by all three plans are grouped in the first row.
| Feature | Early ($27) | Growing ($59) | Established ($97) |
|---|---|---|---|
| Bank reconciliation, Smart Document Capture, sales tax, W-9 and 1099 management, online invoice payments | Yes | Yes | Yes |
| Invoices a month | 20, plus quotes | Unlimited | Unlimited |
| Bills a month | 5 | Unlimited, with automated bill entry | Unlimited, with automated bill entry |
| Bank reconciliation | Manual, auto-reconcile is a $5 a month add-on | Auto-reconcile | Auto-reconcile |
| Cash flow forecast | 30 days | 60 days | 180 days |
| Performance dashboards and health scorecards | No | Yes | Yes |
| Multiple currencies, project time and costs, expense and mileage claims | No | No | Yes |
| KPI analysis and industry benchmarking | No | No | Yes |
| Domestic ACH bill payments | Included | Included | Included |
| Inventory Plus add-on | Not offered | Optional | Optional |
Xero's footnote says the Early invoice limit applies to both approving and sending invoices, and that transactions initiated by app partners may automatically count toward it. If a connected store or payment app writes sales into Xero as invoices, those use up the 20 too.
Published prices
Xero cost against the plans buyers compare it with
Monthly list prices in USD from each vendor's US pricing page, as recorded in our fact sheet in August and September 2026. The right-hand column is usually what decides it.
| Plan | Price a month | Users included | The limit that usually forces an upgrade |
|---|---|---|---|
| Xero Early | $27 | Unlimited | 20 invoices and 5 bills a month |
| Xero Growing | $59 | Unlimited | No multiple currencies or project tracking |
| QuickBooks Simple Start | $38 | 1 plus 2 accountants | 1 user, 1 connected sales channel |
| QuickBooks Essentials | $85 | 3 plus 2 accountants | 3 connected sales channels, no inventory |
| Zoho Books Standard | $20 | 3 | Marketplace connectors only on Elite, $150 |
| FreshBooks Lite | $23 | 1, extra members $11 each | 5 billable clients |
The per-user column is where Xero wins. A business with a bookkeeper, an assistant and an owner in the file pays $59 on Xero Growing against $85 on QuickBooks Essentials, and adding a fourth person costs nothing on Xero but means QuickBooks Plus at $140.
How much Xero really costs in a year
At the new prices a full year of Xero is $324 on Early, $708 on Growing and $1,164 on Established. Against the old prices that is $24, $48 and $84 more a year. Those are the numbers to budget with, because Xero applied the change to existing subscribers from October 1, 2026 rather than holding current customers at the old rate.
The new-customer offer changed on the same day. The old one, 90% off for six months, ended on September 30. Xero's US pricing page now offers 80% off the first 3 months to anyone buying their first organization on xero.com, which works out to $5.40, $11.80 and $19.40 a month before full price applies. That makes year one $259.20 on Early, $566.40 on Growing and $931.20 on Established. The discount covers the base plan only, not add-ons, payroll or payment fees, and the plan renews monthly at full price after the third month. Promotions change often, so check the page for whatever offer is live when you sign up.
Costs outside the plan price are the ones people miss. Payroll is an optional $36 a month plus $6 per employee or contractor, so a five-person payroll adds $66 a month. Early can add auto-reconcile for $5 a month. Online invoice payments carry processing fees. Cross-border and international bill payments carry fees, while standard domestic ACH bill payments are included on every plan. Inventory Plus is a separate add-on on Growing and Established.
The October 1, 2026 Xero price increase, in plain numbers
Xero's own update page lists the change as Early $25 to $27, Growing $55 to $59 and Established $90 to $97, which took effect for new and existing US subscribers on October 1, 2026 and shows on invoices from that date. Percentage-wise it is 7% to 8% across the board, which is modest next to QuickBooks, where Intuit took Essentials from $75 to $85, Plus from $115 to $140 and Advanced from $275 to $340 for renewals from August 1.
The part most price-change articles skip is the second line of Xero's notice: the multi-organization discount was phased out on the same date. Promo codes still apply until they expire, but the discount for running several organizations is no longer applied to eligible subscriptions. That lands on exactly the people who tend to hold several Xero files: an owner with an operating company and a holding company, a creator with a separate LLC for a second brand, or a seller who keeps each storefront in its own entity. Two Growing organizations now cost $118 a month with no multi-organization reduction. If that describes you, check whether both entities really need a full ledger, or whether one can be tracked lighter.
Xero Early, Growing or Established, which plan to buy
Buy Early if you send fewer than 20 invoices and enter fewer than 5 bills a month, and nothing connected to Xero creates invoices on your behalf. A freelancer with a handful of retainer clients fits. A creator billing four brand deals a month fits. A store whose sales app posts each order as an invoice does not, and will hit the cap in the first week.
Buy Growing if you cross either cap. If auto-reconcile is the only thing you miss on Early, the $5 add-on gets it for $32 a month, still $27 less than Growing. For most small businesses it is the real entry plan, and at $59 with unlimited users it is the cheapest way in this category to put an owner, a bookkeeper and an accountant in the same file.
Buy Established if you invoice or get paid in more than one currency, bill project time and costs to clients, or reimburse staff expenses and mileage. The 180-day cash flow forecast and industry benchmarking come with it, but those three features are the usual reasons to pay the extra $38 a month over Growing.
Xero vs QuickBooks on cost
On price alone the answer depends on headcount. A solo owner who only needs one login pays $38 for QuickBooks Simple Start against $27 for Xero Early, but Xero's 20-invoice cap is tighter than anything on Simple Start, so the fair comparison for an active business is often Simple Start against Growing, $38 against $59. See our QuickBooks Simple Start pricing page for that plan in full.
Add people and Xero pulls ahead quickly. QuickBooks Essentials is $85 for 3 users and Plus is $140 for 5, with no way to buy a single extra seat. Xero Growing at $59 has no user limit at all. Where QuickBooks still wins is the free Intuit marketplace connectors for Shopify, Amazon and eBay, its own payroll, and the fact that most US accountants learned on it. If you are weighing the two, our FreshBooks vs QuickBooks vs Xero comparison covers the workflow side, and Xero alternatives covers the cheaper ledgers, including Zoho Books and Wave.
What Xero does not show a creator or online seller
Xero is a double-entry ledger and a good one. What it records from a bank feed is the deposit: the $412 that arrived from a platform, not the $488 the platform collected or the $76 it kept in fees. Stripe, Shopify and a few others have Xero integrations that post more detail, and our Stripe Xero integration guide covers the options. YouTube, Twitch, Patreon, Etsy, Gumroad and most creator platforms have no such feed, so their income reaches Xero as a single net number.
That gap is what Earnly covers. It reads payouts from each platform and shows gross, fees and take-home per source on one board, with a payout calendar and a next-month forecast that is always labeled an estimate. Earnly Solo is $24 a month billed yearly for 3 income sources. We are not accounting software and do not replace Xero; the two sit side by side, and the per-platform view is often what people were hoping a bigger Xero plan would give them.
How to pay less for Xero
1. Check your invoice count before paying for Growing. If you send 12 invoices a month and no app creates invoices for you, Early at $27 covers you and saves $384 a year against Growing.
2. Ask your accountant or bookkeeper. Firms in Xero's partner program can often set up and bill your subscription through the firm, which can beat the public price. One email is worth sending before you renew at the new price.
3. Count your organizations. With the multi-organization discount gone, a second entity that only needs income tracking may not justify a second full Xero subscription.
4. Stop importing statements by hand. When a bank or card has no Xero feed, people key it in. You can convert the PDF bank statement to a CSV file and import that instead, which keeps even the $27 plan workable for an account Xero cannot connect to.
Side by side
Where the boards differ
| What you get | Earnly | Xero |
|---|---|---|
| Entry paid price | From $24 a month, billed yearly | $27 a month for Early, since October 1, 2026 |
| Double-entry books, bank reconciliation, invoicing | No | Yes |
| Gross, fees and take-home per platform payout | Yes | No |
| Users | Per plan | Unlimited on every plan |
| Payout calendar across creator and seller platforms | Yes | No |
| Next-month income forecast, labeled as an estimate | Creator plan and up | Cash flow forecast, 30 to 180 days by plan |
| Native US payroll | No | $36 a month plus $6 per person, powered by Gusto |
Comparison reflects published pricing and feature descriptions at the time of our last check; both products change. Pick the tool that fits how you earn. See what the board looks like on the income tracker homepage, or start with the revenue dashboard.
Questions people actually ask
How much does Xero cost per month?
Xero costs $27 a month for Early, $59 for Growing and $97 for Established in the US, the prices in effect since October 1, 2026. Before that they were $25, $55 and $90. New customers currently get 80% off the first 3 months. Every plan includes unlimited users. Payroll, online payment processing and some bill payment types are charged on top.
Is Xero increasing prices in 2026?
Yes. Xero raised its US prices on October 1, 2026, Early from $25 to $27, Growing from $55 to $59 and Established from $90 to $97. The change applied to new and existing subscribers. Existing promo codes still apply until they expire, but the multi-organization discount was phased out on the same date.
How much does Xero cost per year?
At the current prices, in effect since October 1, 2026, Xero costs $324 a year on Early, $708 on Growing and $1,164 on Established. A new customer using the 80% off offer for the first 3 months pays $259.20, $566.40 and $931.20 in year one. Xero bills monthly and does not publish an annual prepay discount on its US pricing page.
What is the difference between Xero Early and Growing?
Early limits you to 20 invoices and 5 bills a month and reconciles bank transactions manually unless you add auto-reconcile for $5 a month. Growing removes both limits, auto-reconciles bank transactions, adds automated bill entry, performance dashboards and a 60-day cash flow forecast. Growing costs $59 a month against $27 for Early.
Does Xero charge per user?
No. Every Xero plan includes unlimited users at no extra cost, which is the main pricing difference from QuickBooks Online, where Simple Start includes 1 user, Essentials 3 and Plus 5. Adding a bookkeeper or assistant to Xero does not change the price.
How much is Xero payroll?
Xero Payroll, powered by Gusto, is an optional add-on at $36 a month plus $6 per employee or contractor, on any of the three plans. A business paying five people would add $66 a month to its Xero subscription.
Is Xero cheaper than QuickBooks?
For a single user, QuickBooks Simple Start at $38 sits between Xero Early at $27 and Growing at $59. For three or more users Xero is usually cheaper, because Growing includes unlimited users at $59 while QuickBooks Essentials is $85 for 3 users and Plus is $140 for 5.
Is Xero worth it for a small business?
Xero is worth it for a small business that wants full double-entry books, several people in the file and an accountant who works in Xero. It is poor value if you only need income totals for taxes, or if the main thing you want is to see what each sales or creator platform paid you after fees.