How much does Xero cost?
Paid plans start at
$27/mo
- Free plan
- Not stated
- Free trial
- One month free on any plan
- Enterprise
- Contact sales
Read from www.xero.com/us/pricing/ on Oct 29, 2026. Price changed? Tell usSee the line each price came from
In your favor
- Free trial. One month free on any plan
- Notice before price changes. Xero may change pricing at any time
Watch out for
- Extra usage is billed. usage charges are invoiced for the previous month
How you buy and get started
Self-serveButtons on their site: Buy now, Get one month free
- Sign up
- Buy a plan online "Buy now"
- Setup
- Free expert setup help "Free expert setup help"
- When sales steps in
- Not stated
- Support
- 24/7 online support "24/7 online support"
- Support
- Free onboarding with a product specialist for the first 90 days "Free, personalized onboarding from a product specialist for your first 90 days."
What Xero does
Xero offers three monthly subscription plans (Early, Growing, Established) covering invoicing, bills, reconciliation, reporting and forecasting. JAX, its AI assistant, answers business questions and automates routine work.
- Good for
- Small businesses, self-employed people and the accountants and bookkeepers who serve them, mainly in the US on this page set.
- Channels
- web, mobile app
- Main product
- Xero accounting software
- Also includes
- Invoices and quotes, Online invoice payments, Bill entry and bill payments (ACH included), Bank reconciliation and auto-reconcile, Smart Document Capture, Cash flow forecast (30, 60 or 180 day)
- Connects to
- 1000+ apps, Stripe, Gusto (Xero Payroll), Hubdoc, Syft Analytics
- Public API
- Not stated
- MCP server
- Not stated
- AI transaction categorizationNot stated
- Invoice data extraction
Smart Document capture pulls bills and receipts straight into Xero, so your records stay lovely and organized.
- AP approval workflowsNot stated
- Expense and card management
Employee expense and mileage claims
- AI forecasting and budgeting
180 day cash flow forecast
- Automated reconciliation and close
Auto-reconcile transactions
- Ask questions in plain language
Get instant answers to business questions.
- ERP and accounting integrations
Find, try and buy business apps that connect with Xero once you sign up.
The same 8 checks appear on every tool in AI finance tools. Each tick quotes the vendor's own site.
Security and your data
| Question | Their answer | Where it says so |
|---|---|---|
| Trains AI on your data? | Not stated | |
| HIPAA (signs a BAA) | Not stated | |
| SOC 2 | Not stated | |
| GDPR | Not stated | |
| CCPA | Not stated | |
| PCI | Not stated | |
| ISO 27001 | Not stated | |
| Single sign-on | Not stated | |
| Trust center | Not stated |
Security answers are the vendor's own claims, quoted. We don't audit them.
Every plan
| Plan | Monthly | Billed yearly | Included | Over the allowance | Where it says so |
|---|---|---|---|---|---|
| Earlyper month | $27 | – | 20 invoices20 invoices, 5 bills; $2.70 per month for the first 6 months | – | "Then $27 per month" |
| Growingper month | $59 | – | –$5.90 per month for the first 6 months for new US customers | – | "Then $59 per month" |
| Establishedper month | $97 | – | –$9.70 per month for the first 6 months for new US customers | – | "Then $97 per month" |
Fine print
- Billing increment
- monthly "Xero subscriptions auto-renew monthly until they are cancelled."
- Billed beyond usage
- usage charges are invoiced for the previous month "these charges will be invoiced for the previous month"
- Contract
- cancel with one month's notice "Cancel with one month's notice"
- Refunds
- Not stated
- Auto renew
- auto-renews monthly until cancelled "Xero subscriptions auto-renew monthly until they are cancelled."
- Price change notice
- Xero may change pricing at any time "Xero reserves the right to change pricing at any time."
"Not stated" means we read their pricing page and terms and they don't say.
About the company
- Legal name
- Xero Limited
- Address
- Headquarters in New Zealand
- Online since
- Jun 3, 1997 Domain registration date
- Customers
- "Used by 5 million customers worldwide" their claim
Xero alternatives
BILL
Ramp
Puzzle
Fyle
Zeni
Dext
Jirav
AspireReviews elsewhere
We link to reviews instead of copying ratings: those sites don't allow reuse, and we don't test products ourselves.
Questions
Is Xero free?
There's no free plan. Free trial: One month free on any plan. Paid plans start at $27/month.
How much does Xero cost?
Paid plans start at $27 per month.