Last checked Oct 28, 2026 on the official pricing page. Re-checked every 48 hours.
Xero pricing
Quick answer: Xero costs $27 to $97 a month in the US, at the best billing option shown. Checked Oct 28, 2026 on the official pricing page.
Cloud accounting for small businesses wanting unlimited users at a flat price.
Early
- 20 invoices and 5 bills
- Bank reconciliation
- 1099 management
Growing
Most teams- Unlimited invoices
- Automated bill entry
- Budgeting
Established
- Multi-currency
- Project tracking
- Expense claims
Costs that are not on the plan card
Xero Payroll (Gusto): $36/month + $6 per person
Auto-reconcile on Early: $5/month
Online payment fees separate
Notes from the pricing page
Promo: 90% off first 6 months for new US customers, ends 2026-11-02
No per-user fees
Prices exclude tax; monthly billing only shown
Questions teams ask
How much does Xero cost?
Xero costs $27 to $97 a month in the US, at the best billing option shown. Checked Oct 28, 2026 on the official pricing page.
Is there a free version of Xero?
No free plan is listed. The lowest paid plan is Early at $27 a month.
Is Xero cheaper on annual billing?
The vendor does not show a separate annual discount for these plans on its US pricing page.
What does Xero cost for a 10-person team?
On Growing, a 10-person team pays about $708 in the first year at the best billing option, including any required onboarding fee.
Does Xero have hidden costs?
Xero Payroll (Gusto): $36/month + $6 per person. Auto-reconcile on Early: $5/month. Online payment fees separate.