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Xero pricing 2026
Xero raised its US prices on October 1, 2026. This page covers the new prices for all three published tiers, using StackScope's accounting report, last verified October 2026.
Effective October 1, 2026, Early is $27/month (up from $25), Growing is $59/month (up from $55) and Established is $97/month (up from $90). The increase applies to new and existing US subscribers and excludes add-ons and sales tax. There is a 30-day free trial but no ongoing free plan, and accountant and bookkeeper access is included at no extra cost. Capterra currently shows stale pre-increase figures, so StackScope uses the vendor's own pricing. The main catch, per G2 reviews, is advanced reporting and customization limits and occasional bank-feed issues. Xero is praised for a clean interface, ease of use, invoicing and reconciliation.
| Tool | Free plan | Entry tier | Mid tier | Highest public price | Aggregated sentiment |
|---|---|---|---|---|---|
| Xero | 30-day free trial; no ongoing free plan. [VENDOR]Accountant/bookkeeper access included at no extra cost. [VENDOR] | [PRICE INCREASE — Oct 1, 2026] $27/mo standardEarly · MONTHLY: $27 standard, up from $25, effective October 1, 2026; applies to new and existing US subscribers, excludes add-ons and sales tax [VENDOR]. Xero's current main US pricing page advertises 80% off for the first 3 months (code DC80325309US) = $5.40/mo for 3 months, then $27 — other current Xero pages still display the prior 90%-off-for-6-months offer, a live vendor-source conflict; verify the active offer at checkout. [VENDOR — source conflict] ANNUAL: not publicly offered — monthly-only public pricing. Xero states no per-user license fees, so 1-user and 5-user prices are identical. [VENDOR] Early remains capped at 20 invoices and 5 bills. | [PRICE INCREASE — Oct 1, 2026] $59/mo standardGrowing · MONTHLY: $59 standard, up from $55, effective October 1, 2026 [VENDOR]. Current main page promo = $11.80/mo for first 3 months, then $59 — see Early's cell for the promo source conflict. ANNUAL: not publicly offered. Removes Early's invoice/bill caps. JAX automated reconciliation available starting here, not on Early. | [PRICE INCREASE — Oct 1, 2026] $97/mo standardEstablished · MONTHLY: $97 standard, up from $90, effective October 1, 2026 [VENDOR]. Current main page promo = $19.40/mo for first 3 months, then $97 — see Early's cell for the promo source conflict. ANNUAL: not publicly offered. Publicly priced, not Contact Sales. | Catch: advanced reporting/customization and occasional bank-feed issues are recurring complaints. [3P — G2] Reviewers consistently praise the clean interface, ease of use, invoicing, and reconciliation. Capterra currently shows stale pre-increase figures ($25/$55) and G2 shows even older figures ($13/$37/$70) — both conflict with Xero's current Oct. 1 pricing and are flagged, not used. [3P — G2/Capterra] Users: unlimited on every tier, no per-user fee. Invoices/bills/clients: Early capped at 20 invoices and 5 bills/month; Growing and Established remove that cap. Upgrade trigger: exceeding Early's invoice/bill volume, or needing JAX automated reconciliation. AI: JAX (Xero's AI finance partner) carries no additional charge; JAX automated reconciliation is bundled starting on Growing, not available on Early. [VENDOR] |
Figures are aggregated from vendor pricing pages and independent third-party pricing research as of October 2026 and reflect published list prices. See the full Accounting Software report for every tool side by side, with complete footnotes and flagged source conflicts. Confirm current pricing directly with the vendor before purchasing. This is not a recommendation to buy any specific product.
Sources checked
FAQ
Common questions
How much does Xero cost in 2026?
Early is $27/month, Growing is $59/month and Established is $97/month, effective October 1, 2026. That is up from $25, $55 and $90, and applies to new and existing US subscribers. Add-ons and sales tax are extra.
Does Xero have a free plan?
No. There is a 30-day free trial but no ongoing free plan. Accountant and bookkeeper access is included at no extra cost.
What are Xero's recurring complaints?
Per G2 reviews, advanced reporting and customization limits and occasional bank-feed issues.