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Xero

Xero is cloud accounting software for small businesses, sold with different plan names, prices and payroll terms in each country.

Visit Xeroby Xero

Who it suits

A good fit for

  • Small businesses that want accounting with unlimited invoices on mid-tier plans
  • UK and Australian businesses that want payroll included in the plan (Grow and above in the UK; all listed AU plans)
  • Sole traders in the UK preparing for Making Tax Digital for Income Tax (listed on all UK plans)

Consider something else if

  • Businesses sending more than 20 invoices in the entry plan's period (Early in the US, Ignite in the UK, Starter in Canada)
  • US buyers who want payroll inside the base price (US payroll is a Gusto add-on)

Key features

Bank reconciliation and document capture
The US page lists smart document capture, bank reconciliation and tax management on all plans.
Online invoice payments
The US page lists online payments, including standard domestic ACH, on all plans.
Cash flow forecast
Forecast length grows by plan, for example 30, 60 and 180 days on the US plans.
Payroll
Included for set headcounts in the UK and Australia; a Gusto-powered add-on in the US.

Xero pricing

United States: Early US$27, Growing US$59, Established US$97 a month regular price. Other countries are listed in regional notes.

PlanPriceKey limits
Early (US)US$27 / month regular priceQuotes and 20 invoices; 5 bills; 30-day cash flow forecast
Growing (US)US$59 / month regular priceUnlimited invoices and bills; 60-day cash flow forecast
Established (US)US$97 / month regular priceUnlimited invoices and bills; 180-day cash flow forecast
  • US prices in US dollars. The US page offered 80% off the base plan for the first 3 months to new customers at the time of checking; regular prices are listed. US payroll: Xero Payroll powered by Gusto, US$36 a month plus US$6 per employee or contractor. The US page did not state user counts or a free trial.
  • UK (GBP, ex VAT, regular monthly): Ignite £18 (quotes and 20 invoices, 10 bills; payroll optional at £1.50 per person), Grow £39 (payroll for 1 person), Comprehensive £55 (payroll for 5), Ultimate £70 (payroll for 10); intro offer 90% off for 6 months. Australia (AUD incl GST, regular monthly): Grow $78 (payroll for 2), Comprehensive $107 (payroll for 5), Ultimate 10 $143 (payroll for 10); intro offer 80% off for 3 months. Canada (CAD, regular monthly): Starter $25 (20 invoices and quotes, 5 bills), Standard $60, Premium $80 (multi-currency); 30-day free trial; payroll as add-ons only; intro offer 80% off for 3 months.

Pricing verified Source

Evidence and scope

This profile summarizes Xero’s pricing pages for the US, UK, Australia and Canada, checked on 6 October 2026. We have not tested Xero hands-on. Prices and payroll terms differ by country, so read only the line for your country.

Before you decide

Count how many invoices you send in a busy month. If it is close to 20, the entry plan’s cap will push you to the next plan, so price that one too. If you employ staff, check whether payroll is included in your country’s plan or sold as an add-on.

Our coverage of Xero

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Published

Sources

  1. Xero pricing plans (United States), Xero (accessed )
  2. Xero pricing plans (United Kingdom), Xero (accessed )
  3. Xero pricing plans (Australia), Xero (accessed )
  4. Xero pricing plans (Canada), Xero (accessed )