Xero in our research
What it costs
A month of books at 100 transactions
$27
a month at 100 transactions, on Early
Checked against the maker's own pages, 28 October 2026.
Xero price and plans
Prices excluding tax, as Xero publishes them.
Early
$27 a month
- Flat fee
Growing
$59 a month
- Flat fee
- Adds Categorizes transactions
Established
$97 a month
- Flat fee
- Adds Other currencies
- Adds Mileage
- Adds Billable time
- Adds Profit by project or job
Where these prices come from
xero.com/us/pricing-plans, checked
What Xero costs at your volume
| Transactions a month | Cost | Plan |
|---|---|---|
| 100 transactions | $27 a monthon Early | Early |
| 500 transactions | $27 a monthon Early | Early |
What we checked on Xero
Cost at 100 transactions a month
$27 a month on Early for 100 transactions. Early is 90% off for 6 months for new customers ($2.70 a month), on offer until 2 November 2026. The figure is the regular $27, paid after it.
Then $27 per month
xero.com/us/pricing-plansChecked
Cost at 500 transactions a month
$27 a month on Early for 500 transactions. Early is 90% off for 6 months for new customers ($2.70 a month), on offer until 2 November 2026. The figure is the regular $27, paid after it.
On the page: Plan cards, Early column
xero.com/us/pricing-plansChecked
Cost for a solo freelancer
The cheapest public plan, Early, is $27 a month after the promotion and includes bank reconciliation, Smart Document Capture and reporting, so one freelancer with roughly 30 transactions pays that.
On the page: Plan cards, Early column price
xero.com/us/pricing-plansChecked
Promotion and regular price
promotion: new US customers get 90% off for six months, the offer closes 2 November 2026, and the regular plan price then applies and renews monthly.
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…
xero.com/us/pricing-plansChecked
Ledger included
Xero is the double-entry ledger itself, so no QuickBooks or Xero subscription sits underneath it; the plan price is the whole accounting bill.
Xero online accounting software for your business connects you to your bank, accountant, bookkeeper, and other business apps.
xero.com/usChecked
What the price is based on
Flat monthly fee for one Xero organization, in USD before tax, with no per-user charge and no metering of transactions.
No per-user license fees
xero.com/us/pricing-plansChecked
Users included
Every plan takes unlimited users at no extra cost, so adding staff, a treasurer or an advisor does not change the monthly bill.
All Xero plans include unlimited users at no extra cost.
Past your plan’s limits
Only the Early plan is capped, at 20 invoices and 5 bills a month, and the footnote says approving counts too; the pages do not say what happens once you reach the cap.
Invoice limits for the Early plan apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute…
xero.com/us/pricing-plansChecked
Setup or onboarding fee
No one-time setup or onboarding charge: setup help is listed as a free part of every plan, and onboarding specialists come with the first 90 days.
Free expert setup help
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Notice before a price rise
The pricing page reserves the right to change prices at any time, while the terms promise a reasonable effort to give 60 days notice of material changes, so the notice is an endeavor rather than a guarantee.
We will reasonably endeavour to provide you with 60 days’ notice of material changes before they become effective, unless there are circumstances…
xero.com/us/legal/termsChecked
What the AI does
JAX, built into the navigation bar and the mobile app, answers questions about your own Xero figures, pulls in outside market data and drafts admin such as invoices and quotes.
Gain critical insights through its advanced conversational capabilities, ask about ideas to improve cash flow or for help with admin tasks like…
What the AI costs
included: JAX chat carries no extra charge for subscribers on any plan, though Xero reserves the right to change that pricing later.
There’s currently no additional charge to Xero subscribers to use JAX chat experience. However, we reserve the right to change the terms and…
Categorizes transactions
Bank rules categorize recurring transactions for you and Xero suggests matches, but hands-off auto-reconcile is a $5 a month add-on on Early and only included from Growing up; no page claims it learns from your corrections.
On the page: Compare features across plans, Auto-reconcile transactions row
xero.com/us/pricing-plansChecked
Reconciles your accounts
Bank reconciliation is on every plan: feeds arrive automatically, Xero proposes matches on one screen, and reconciling often keeps the cash-flow forecast honest.
Approve Xero’s suggested transactions matches – including amounts from online payments – on a single screen
Reads receipts and bills
Smart Document Capture is on all three plans and pulls bills and receipts straight into Xero so they sit with the records they belong to.
Smart Document capture pulls bills and receipts straight into Xero, so your records stay lovely and organized.
xero.com/usChecked
Pays your bills
Bills are captured and tracked with approval roles and duplicate spotting, and standard domestic ACH payments are included in every business plan, with fees on other methods.
Standard ACH payments are included in Xero Early, Growing and Established plans (fees apply for other payment methods).
xero.com/us/pricing-plansChecked
Sends invoices
Invoicing with online payment acceptance is on every plan, but Early is capped at 20 invoices a month before you must move up to Growing.
Send quotes and 20 invoices†
xero.com/us/pricing-plansChecked
Accrual books and reports
Real-time profit and loss, balance sheet and cash flow reports are on every plan and can be customized and compared against budget; the pages do not name the accounting basis.
View profit and loss, balance sheets, cash flow, and a range of other accounting reports and forecasts, whenever you need to.
Your accountant can sign in
You can invite your accountant or bookkeeper into the same books at no extra cost, because every plan carries unlimited users.
Invite your accountant or bookkeeper into Xero, so you’re both working from the same up-to-date books.
Bank and card feeds
Automatic feeds pull transactions from thousands of US banks and cards without statement uploads, and the connection is read-only; PDF, OFX, QIF, QBO, QFX or CSV import covers banks that do not connect.
Set up automatic transaction imports from a wide range of US banks and financial institutions
Stripe
Xero publishes App Store listings for Stripe, Shopify, PayPal, Square and Gusto
Payout reconciliation: Automatically match payouts from Shopify Payments and more to your bank account. The integration handles fees, refunds, and…
apps.xero.com/us/app/shopifyChecked
Shopify
Xero publishes App Store listings for Stripe, Shopify, PayPal, Square and Gusto the Shopify connector splits out fees, refunds and taxes against payouts and is free on all plans.
On the page: Shopify by Xero listing, overview
apps.xero.com/us/app/shopifyChecked
PayPal
Xero publishes App Store listings for Stripe, Shopify, PayPal, Square and Gusto
On the page: Shopify by Xero listing, overview
apps.xero.com/us/app/shopifyChecked
Square
Xero publishes App Store listings for Stripe, Shopify, PayPal, Square and Gusto
On the page: Shopify by Xero listing, overview
apps.xero.com/us/app/shopifyChecked
Gusto payroll
Xero publishes App Store listings for Stripe, Shopify, PayPal, Square and Gusto
On the page: Shopify by Xero listing, overview
apps.xero.com/us/app/shopifyChecked
Payroll
add-on: payroll is not in the plan price but is sold beside it as Xero Payroll powered by Gusto at $36 a month plus $6 per employee or contractor, on any plan.
New Xero Payroll, powered by Gusto Optional $36 a month + $6 per employee/contractor
xero.com/us/pricing-plansChecked
Moves your history in
Xero says switching from QuickBooks is straightforward with hands-on setup help, and historical data can be imported when you first connect a bank, but no page states what moving prior-year books costs or how far back it goes.
Moving your accounting software doesn’t have to be complicated. Xero makes the switch from QuickBooks straightforward. With hands-on set-up help,…
Platforms
web, ios, android: Xero runs in the browser and the Accounting app is a free part of the subscription on iPhone, iPad, Android phones and tablets; no Windows or Mac desktop build is offered.
The Xero Accounting app is available on iOS and Android devices, including iPads and tablets.
Getting your books out
Any Xero report, including the ledger and balance sheet reports, can be taken out as a PDF or a spreadsheet, so your figures leave with you.
Yes, any report in Xero can be exported as a PDF to print or share by email, or as a spreadsheet for further analysis
Files 1099s
Xero collects W-9s, tracks contractor payments against the $2,000 threshold and builds the 1099-NEC and 1099-MISC report on every plan, but filing goes through an e-filing partner app at extra cost or by CSV export.
Send 1099-NEC and 1099-MISC forms to the IRS through e-filing partner apps in the Xero App Store (fees may apply)
Calculates sales tax
Sales tax is on all three plans: Avalara applies the current rate to each invoice from ship-from and ship-to addresses, product type and exemption status across more than 13,000 US jurisdictions.
Avalara automatically calculates accurate sales tax across over 13,000 US tax areas.
Files sales tax
It reports rather than files: the Sales Tax report shows what you have recorded and what is due to help you prepare the return, and the page describes no filing or payment on your behalf.
Run the Sales Tax report to view tax amounts recorded and help prepare your sales tax return.
Inventory
Basic stock tracking comes with every plan, while multichannel selling, reorder points and shipping need the paid Xero Inventory Plus add-on, which the comparison table marks optional on Growing and Established only.
Inventory tracking is included in Xero plans, and Xero Inventory Plus and inventory apps are paid add-ons
Other currencies
Invoicing and accounting in other currencies is reserved for the top plan: the comparison table marks multiple currencies excluded on Early and Growing and included on Established.
Use multiple currencies Excluded Excluded Included
xero.com/us/pricing-plansChecked
Mileage
Mileage claims are entered in the Xero Me app from start and end points and are an Established-plan feature; automatic GPS logging needs a third-party app such as TripLog.
Employee expense and mileage claims Excluded Excluded Included
xero.com/us/pricing-plansChecked
Billable time
Billable time is recorded with a start-stop timer and billed through project invoicing, but only on Established; the two cheaper plans exclude project time and costs.
Track time and costs for projects Excluded Excluded Included
xero.com/us/pricing-plansChecked
Profit by project or job
Profit by project or job needs the Established plan, where project tracking links costs and time to each job; tracking categories give a lighter class view on cheaper plans.
On the page: Compare features across plans, Track time and costs for projects row
xero.com/us/pricing-plansChecked
Funds for nonprofits
A nonprofit records each gift as it arrives and uses tracking categories to see spending per grant, program or initiative, with report layouts saved for the board.
Record each gift as it arrives, then see spending for every initiative with tracking categories.
SOC 2 report
Xero produces SOC 2 reports from independent audits and is certified to ISO 27001:2022; subscribers download the report after logging in and anyone else can request it through a form.
Xero produces Service Organization Control (SOC 2) reports based on independent audits of Xero’s cloud-based accounting system.
xero.com/us/about/securityChecked
Your data trains AI
Xero states that JAX does not train its language models on your data and that the third-party providers behind them do not retain it for training, so there is nothing to opt out of.
No, JAX chat doesn’t use your data to train the LLMs it uses.
For accounting firms
The partner program gives firms free Xero and Partner Hub for their own practice, client tools such as Workpapers and lighter Ledger and Cashbook plans, with benefits rising through bronze to platinum status.
All new partners can use Xero and Xero Partner Hub for free, with more products added at higher status levels.
Australia
Sold well beyond the US: Xero runs country editions with local pricing and tax, including UK plans that file VAT returns to HMRC, Australian plans that lodge BAS for GST, and Canadian plans priced in Canadian dollars.
Prices are in Canadian dollars and exclude applicable taxes
xero.com/ca/pricing-plansChecked
Free trial or free plan
There is no standing free plan, but any plan can be taken for one month at $0 before billing starts, so you can run your own books in it first.
Your first month, on us. Any plan
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Sign up without a sales call
You can buy any plan online with a Buy now button and set it up yourself; a sales call is offered but never required.
Purchase any Xero plan and get started today.
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Contract and cancelling
Billing is month to month with automatic renewal and no yearly commitment, but canceling takes one month of notice given in your Xero account rather than ending immediately.
you may choose to terminate your subscription at any time by providing Xero with one month’s notice in advance via your Xero account
xero.com/us/legal/termsChecked
Support
Support is free and online around the clock: you search Xero Central and raise a case from any article. There is no published phone line, though you can ask to be called back.
With Xero you get free online support 24/7 from our customer support team.
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Xero alternatives
All 9 alternatives6 more alternatives
6 of the 9 publish a price.
- PilotNo list priceA bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors.
- Booke AINo list priceAn AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents.
- SimpleAIFrom $79 a monthAI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.
- QuickBooks OnlineFree, then $38 a monthIntuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors.
Sources and changes
Last changed
Sources17
- xero.com/us/pricing-plans
- xero.com/us
- xero.com/us/ai-in-accounting/jax
- xero.com/us/accounting-software/calculate-sales-tax
- xero.com/us/accounting-software/connect-your-bank
- xero.com/us/accounting-software/run-financial-reports
- xero.com/us/legal/terms
- xero.com/us/small-businesses/non-profit
- xero.com/us/versus/quickbooks-alternative
- xero.com/ca/pricing-plans
- xero.com/us/about/contact
- xero.com/us/about/security
- xero.com/us/accountants-bookkeepers
- xero.com/us/accounting-software/1099-reporting
- xero.com/us/accounting-software/manage-inventory
- xero.com/us/accounting-software/xero-accounting-mobile-app
- apps.xero.com/us/app/shopify
What changed on this page2
- Bookkeeping features, free plan, plan limits, prices, terms
- Bookkeeping features, plan limits
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