# Xero pricing: plans, limits and the new-customer discount

> Source: https://tickmarkbooks.com/blog/xero-pricing-plans-limits-and-the-new-customer-discount

Buyer's guide [AI bookkeeping for QuickBooks and Xero](https://tickmarkbooks.com/category/ai-bookkeeping)

What each Xero plan costs a month, what limits come with it, and how the new-customer discount gives way to the regular price.

[Team Tick Mark Books](https://tickmarkbooks.com/authors/research) Published 7 Nov 2026 4 min read [Editorial policy](https://tickmarkbooks.com/editorial-policy)

![Tick Mark Books card: Xero pricing: plans, limits and the new-customer discount.](https://tickmarkbooks.com/img/1024/heroes/xero-pricing-plans-limits-and-the-new-customer-discount/a154b27699da/hero-16x9-800.webp)

On this page

1. [The short answer](#the-short-answer)
2. [Xero plans and prices](#xero-plans-and-prices)
3. [What you pay beyond the plan price](#what-you-pay-beyond-the-plan-price)
4. [Which plan to pick](#which-plan-to-pick)
5. [How we read the prices](#how-we-read-the-prices)
6. [Questions buyers ask](#questions-buyers-ask)
7. [Sources](#sources)

- [This page as Markdown](https://tickmarkbooks.com/blog/xero-pricing-plans-limits-and-the-new-customer-discount.md)

## The short answer

Lite is the cheapest way in, at $7 a month, and Premium is the top plan, at $82 a month. Between them sit Starter at $32 a month and Standard at $54 a month.

Xero says new customers get 90% off for the first 6 months. After that, the regular price applies and the plan renews monthly until you cancel.

[Xero](https://tickmarkbooks.com/xero) lists 4 plans on its pricing page, from $7 a month to $82 a month, as we read it on 6 November 2026.

- Lite costs $7 a month and allows 5 invoices and quotes.
- Starter costs $32 a month and allows 20 invoices and 5 bills, with a cash flow forecast of 30 days.
- Xero gives new customers 90% off for the first 6 months, and then the regular price renews monthly.

In this article

- [Xero](https://tickmarkbooks.com/xero) Small-business ledger with a JAX assistant that answers questions in plain language; unlimited users on every plan.

## Xero plans and prices

Table 1 Xero plans and prices, checked 6 November 2026

Plan Price Main limits

Lite

$7 a month

5 invoices and quotes

Starter

$32 a month

Cash flow forecast: 30 day days; 5 bills; 20 invoices

Standard

$54 a month

Cash flow forecast: 60 day days

Premium

$82 a month

Cash flow forecast: 180 day days

[How we check](https://tickmarkbooks.com/methodology)

Lite, at $7 a month, is built around a cap on sales paperwork. It allows 5 invoices and quotes. That fits a business that bills a handful of clients and wants its books in Xero at the lowest monthly price.

Starter, at $32 a month, is the step for a business that also pays suppliers through its books. It allows 20 invoices and 5 bills. Its cash flow forecast covers 30 days, so you can see the month ahead.

Standard and Premium are set apart by how far the cash flow forecast looks. Standard costs $54 a month and its forecast covers 60 days. Premium costs $82 a month and its forecast covers 180 days. A buyer choosing between them is choosing how far ahead to plan cash.

## What you pay beyond the plan price

- **Renewal:** “New customers get 90% off for the first 6 months, then Xero’s regular price will apply and auto-renew monthly until cancelled as described in our Terms of Use.” ([xero.com/us/pricing-plans](https://www.xero.com/us/pricing-plans/))
- **Fee (Early, Growing, Established):** “Reconcile bank transactions Included Included Included” ([xero.com/us/pricing-plans](https://www.xero.com/us/pricing-plans/))

Xero says new customers get 90% off for the first 6 months. The discount is for new customers only, and it ends once those 6 months are up.

After that, Xero’s regular price applies and the plan auto-renews monthly until you cancel, as described in Xero’s Terms of Use. Budget on the regular price, since that is what the plan costs once the discount ends.

## Which plan to pick

- **If you send only a few invoices and quotes:** pick Lite. Lite costs $7 a month and allows 5 invoices and quotes, which covers a handful of clients.
- **If you need to send invoices and enter supplier bills:** pick Starter. Starter costs $32 a month and allows 20 invoices and 5 bills, with a cash flow forecast of 30 days.
- **If you plan your cash about two months ahead:** pick Standard. Standard costs $54 a month and includes a cash flow forecast of 60 days.
- **If you plan your cash half a year ahead:** pick Premium. Premium costs $82 a month and includes a cash flow forecast of 180 days, the longest of any Xero plan.

## How we read the prices

We read Xero’s pricing page on 6 November 2026 and keep every plan with its price, its limits and the page it came from. Every price here is as of that day. We did not buy a plan.

## Questions buyers ask

### How much does Xero cost a month?

Lite costs $7 a month, Starter $32 a month, Standard $54 a month and Premium $82 a month. Xero says new customers get 90% off for the first 6 months.

### What is the cheapest Xero plan?

Lite is the cheapest, at $7 a month. It allows 5 invoices and quotes.

### What happens when the new-customer discount ends?

Xero says new customers get 90% off for the first 6 months, and then Xero’s regular price applies. The plan auto-renews monthly until you cancel, as described in Xero’s Terms of Use.

### How many invoices and bills does Starter allow?

Starter allows 20 invoices and 5 bills. It costs $32 a month and includes a cash flow forecast of 30 days.

### What does Premium add over Standard?

Premium’s cash flow forecast covers 180 days, and Standard’s covers 60 days. Premium costs $82 a month and Standard costs $54 a month.

## Sources

- [xero.com/pricing-plans](https://www.xero.com/pricing-plans/), read on 6 November 2026
- [xero.com/us/pricing-plans](https://www.xero.com/us/pricing-plans/)

About the author

[Team Tick Mark Books](https://tickmarkbooks.com/authors/research)

Pricing desk

The Tick Mark Books research desk publishes source-linked product research and original market analysis.

Last checked 11 November 2026

## Top of AI bookkeeping for QuickBooks and Xero

[The category page](https://tickmarkbooks.com/category/ai-bookkeeping)

- [fileLedger by fileAI](https://tickmarkbooks.com/fileai) · Agent plans that read invoices and bank statements and post them into your Xero or QuickBooks books. · $40 · a month at 100 transactions, on Bank Statement Agent — Lite, on Xero Early · [Visit](https://tickmarkbooks.com/go/fileai)
- [Finlens](https://tickmarkbooks.com/finlens) · AI layer on QuickBooks Online that drafts accruals, prepaids and Stripe revenue entries for review. · $49 · a month at 100 transactions, AI Accounting plan, sold by their sales team · [Visit](https://tickmarkbooks.com/go/finlens)
- [SimpleAI](https://tickmarkbooks.com/simpleai) · AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks. · $106 · a month at 100 transactions, on Starter, on Xero Early · [Visit](https://tickmarkbooks.com/go/simpleai)
- [Booke AI](https://tickmarkbooks.com/booke-ai) · An AI bookkeeper that joins your QuickBooks Online or Xero file as a user and works the bank feed you already have. · $156 · a month at 100 transactions, on AI Bookkeeper (Business), on Xero Early · [Visit](https://tickmarkbooks.com/go/booke-ai)
- [Webgility](https://tickmarkbooks.com/webgility) · Posts every marketplace order, fee and payout into QuickBooks or Xero at line-item level, not as a summary. · $376 · a month at 100 transactions, on Complete, on Xero Early · [Visit](https://tickmarkbooks.com/go/webgility)
- [Synder](https://tickmarkbooks.com/synder) · Posts sales, fees and taxes from 30+ channels into QuickBooks, Xero, NetSuite or Sage Intacct. · Does not apply · No plan keeps a full set of books · [Visit](https://tickmarkbooks.com/go/synder)

[Show the whole category](https://tickmarkbooks.com/category/ai-bookkeeping)

## More of our research

Buyer's guide 3 November 2026

### [What Is the Best Simple Accounting Software?](https://tickmarkbooks.com/blog/what-is-the-best-simple-accounting-software)

Manager.io has a free plan, and 4 of the 8 tools need QuickBooks or Xero beside them.

Buyer's guide 31 October 2026

### [Choosing AI bookkeeping software: ledger, bills or receipts](https://tickmarkbooks.com/blog/choosing-ai-bookkeeping-software-ledger-bills-or-receipts)

First decide whether the AI should keep the ledger itself, as Digits and FreeAgent do, or feed QuickBooks or Xero with bills, receipts and payments.

Buyer's guide 29 October 2026

### [Choosing AI accounting software for a small business](https://tickmarkbooks.com/blog/choosing-ai-accounting-software-for-a-small-business)

Match the ledger to the country you file in first, then compare what the AI books on its own, whether your history moves across and who checks it.

Comparison 27 October 2026

### [FreeAgent vs Zoho Books for small business accounting](https://tickmarkbooks.com/blog/freeagent-vs-zoho-books-for-small-business-accounting)

FreeAgent suits UK sole traders and company directors filing their own tax returns; Zoho Books suits US businesses and owners running several companies.