Xero pricing per month
Xero sells three US plans, billed by the month. Early costs $27 a month, Growing costs $59, and Established costs $97. Xero charges no per-user license fees. New US customers get 90% off for the first 6 months, so the plans start at $2.70, $5.90, and $9.70. The page says this offer ends November 2, 2026. Figures are in USD and come from the Xero US pricing page on October 25, 2026. Plan data is on the Xero pricing page on SaaS Price Watch.
Xero plans at a glance
| Plan | Price | First 6 months (90% off) | Limits |
|---|---|---|---|
| Early | $27 a month | $2.70 a month | 20 invoices and 5 bills, 30-day cash flow forecast |
| Growing | $59 a month | $5.90 a month | No invoice or bill cap listed, 60-day forecast, performance dashboards |
| Established | $97 a month | $9.70 a month | 180-day forecast, multiple currencies, project tracking, expense and mileage claims |
The page offers one month free as an alternative to the 90% offer. Subscriptions renew each month until you cancel.
Yearly cost
Our math for 12 months:
- Early: $324 at list price, or $178.20 in the first year with the 6-month discount.
- Growing: $708 at list price, or $389.40 in the first year.
- Established: $1,164 at list price, or $640.20 in the first year.
Xero pricing per user
Xero does not charge per user. The page lists no per-user license fees on any plan, so the price stays the same as you add people to the books.
Add-ons
- Auto-reconcile on Early: $5 a month. Included on Growing and Established.
- Xero Payroll, powered by Gusto: $36 a month plus $6 per employee or contractor.
- Inventory Plus: optional on Growing and Established. The page lists no price.
Payroll for 5 employees comes to $66 a month on top of the plan.
Which plan to pick
- Early: a new business that sends up to 20 invoices a month.
- Growing: you send more than 20 invoices a month and want auto-reconcile and dashboards.
- Established: you work in more than one currency, track project costs, or run employee expense and mileage claims.
Compare and track
See FreshBooks vs Xero, the FreshBooks pricing guide, the FreshBooks price increase 2026, the QuickBooks pricing guide, the Gusto price increase 2025, the Business Central price increase 2025, the Zoho Books pricing guide, and all finance tools. Get an alert when Xero changes its prices.
FAQ
How much does Xero cost per month? Early costs $27 a month, Growing $59, and Established $97 in the US.
Does Xero charge per user? No. The page lists no per-user license fees on any plan.
Does Xero have a discount for new customers? Yes. On October 25, 2026, new US customers got 90% off for the first 6 months, with the offer ending November 2, 2026.
How much is Xero Payroll? Xero Payroll, powered by Gusto, costs $36 a month plus $6 per employee or contractor.
What is the difference between Xero Early and Growing? Early caps you at 20 invoices and 5 bills. Growing lists no such caps and adds auto-reconcile, dashboards, and a 60-day forecast.
Checked 2026-10-25. Prices and policies change. Confirm on the source before you buy.
Sources
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