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Xero pricing
A small business that wants proper double-entry books its accountant will recognise, with unlimited users on one flat price.
What Xero actually costs
The monthly figure a coach at that roster size pays, add-ons the platform forces on you included. Same engine the shortlist quiz uses, so these cannot disagree with it.
- 5 clients
- $27Early
- 25 clients
- $59Growing
- 50 clients
- $59Growing
- 100 clients
- $59Growing
Every published plan
Read off Xero’s own pricing page, last checked 22 Oct 2026.
Three flat plans billed monthly in USD, auto-renewing, with no per-user fees. Early is capped at 20 invoices and 5 bills (a monthly cap; approving and sending both count) and has no multi-currency, projects or expense claims; Growing lifts the caps; Established adds multi-currency, projects, expense claims and 180-day cash flow forecasts. New US customers get 80% off the first three months with code DC80325309US ($5.40, $11.80, $19.40), then the full price; the homepage also offers the first month free. No annual billing is published. Add-ons on top: Xero Payroll (Gusto) $36 a month plus $6 per employee or contractor, auto-reconcile $5 a month on Early, Inventory Plus on Growing and Established. Prices exclude tax. The UK sells different plans in GBP.
| Plan | Per month | Includes | Over that |
|---|---|---|---|
| Early | $27 | up to 20 clients | not published |
| Growing | $59 | unlimited clients | not published |
| Established | $97 | unlimited clients | not published |
Before you sign up
- Free trial
- 30 days
- Contract
- Monthly, auto-renews until cancelled; first month free; downgrade one month after upgrading
Who it suits
Built for: A small business that wants proper double-entry books its accountant will recognise, with unlimited users on one flat price.
Weak at: The cheapest plan is tight (20 invoices and 5 bills a month, no multi-currency or projects), so a busy freelancer outgrows Early fast, and payroll, inventory and auto-reconcile on Early are all paid add-ons.
Xero compared, head to head
The pairs people actually search for, each one priced at the same four sizes off both vendors' own pages.
Is it the right one for you?
Xero is one of 14 accounting and invoicing platforms on this site. The shortlist asks 7 questions and gives you four honest picks priced at your own client count, including every platform that beats this one outright at your size.
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