No. The Xero pricing page lists no free plan as of 11 Oct 2026. The cheapest plan is Early at a regular price of $27 a month. The page shows a Get one month free option, and its terms were not read for this file.

Is there a Xero free plan?

No Xero free plan is shown. The page lists three paid plans: Early, Growing and Established. New US customers were offered 80% off for the first 3 months on 11 Oct 2026, and setup help from a product specialist is free for the first 90 days.

Xero cost at regular price is $27 a month for Early, $59 for Growing and $97 for Established, billed monthly, before taxes. On 11 Oct 2026 an offer showed $5.40, $11.80 and $19.40 a month for the first 3 months.

What is the Xero price per user?

There is none. The page states No per-user license fees, so each plan is a flat monthly amount: $27, $59 or $97. The per-person charge on the page is for payroll: $36 a month plus $6 per employee or contractor. Read on 11 Oct 2026.

What are the Xero plans?

The page shows three Xero plans. Early ($27 a month) allows 20 invoices and 5 bills. Growing ($59) removes those limits and adds dashboards, budgets and auto-reconcile. Established ($97) adds multiple currencies, projects, expense claims and a 180 day cash flow forecast.

Can Xero be paid annually?

The page shows monthly prices only and no annual price. Under the question about paying annually, it says the invoice arrives at the end of each monthly billing period, and the terms say subscriptions auto-renew monthly until cancelled.

Does Xero charge payment or setup fees?

Payment fees apply to online invoice payments and to bill payments other than standard ACH, but the amounts are not on the pricing page. No setup fee is named: the page says onboarding help from a product specialist is free for the first 90 days. Prices exclude taxes.

File No. 131

Xero pricing, checked October 2026

Checked 11 October 2026 Vendor pricing page Checked how?

Real prices · checked monthly Price changed? Work at Xero?

Xero is accounting and invoicing software for small businesses. It bills a flat monthly amount per plan with no per-user license fees, and sells payroll and some features as paid add-ons.

The short answer. Xero pricing starts at $27 a month for the Early plan, billed monthly. Growing is $59 and Established is $97 a month, with no per-user license fees. An offer for new US customers takes 80% off for the first 3 months. The page lists no free plan. Read off xero.com/us/pricing-plans on 11 Oct 2026.

What each plan costs

Plan	Price	Billed	Checked	Source
Early	$27/mo	billed monthly, regular price	11 Oct 2026	Vendor page
Send quotes and 20 invoices and enter 5 bills. Lists bank reconciliation, Smart Document Capture, real-time reports, W-9 and 1099 management, sales tax and a 30 day cash flow forecast. On 11 Oct 2026 the page offered Early at $5.40 per month for the first 3 months, then $27 per month.
Growing	$59/mo	billed monthly, regular price	11 Oct 2026	Vendor page
Everything in Early without the 20 invoice and 5 bill limits. Adds automated bill entry, a 60 day cash flow forecast, custom performance dashboards, budgets and auto-reconcile. On 11 Oct 2026 the page offered Growing at $11.80 per month for the first 3 months, then $59 per month.
Established	$97/mo	billed monthly, regular price	11 Oct 2026	Vendor page
Everything in Growing, plus multiple currencies, time and cost tracking for projects, employee expense and mileage claims, KPI analysis, a 180 day cash flow forecast and international bill payments. On 11 Oct 2026 the page offered Established at $19.40 per month for the first 3 months, then $97 per month.

Get an email if Xero changes its price

One email when a price on this file changes. Nothing else, and one click to stop.

Xero's pricing page as it appeared on 2026-10-11 — **Xero's own pricing page**, captured 2026-10-11. Every figure in the table above was read off this page. Open the live page to see whether it has changed since.

What the free tier actually allows

The pricing page lists no free plan. The cheapest plan is Early, at a regular price of $27 a month.
Next to Buy now the page shows a Get one month free option. Its terms could not be opened and were not read for this file.
The page states that onboarding help from a product specialist is free for the first 90 days.

What the pricing page does not say

The large figures on the page are offer prices. $5.40, $11.80 and $19.40 a month last for the first 3 months, then the regular prices of $27, $59 and $97 apply and renew monthly.
The offer terms limit the 80% discount to new customers in the United States buying their first organization on xero.com with the code named in those terms. The discount covers the base plan only, not add-ons, usage or payment fees, and Xero can change or cancel it at any time.
Early is capped at 20 invoices and 5 bills. The terms say the invoice limit counts invoices that are approved as well as sent, and that invoices created by connected apps may count toward it.
Payroll is not in any plan. Xero Payroll, powered by Gusto, is an optional add-on at $36 a month plus $6 per employee or contractor on all three plans.
Auto-reconcile is included from Growing. On Early it is an optional add-on at $5.00 per month.
Multiple currencies, project time and cost tracking, and employee expense and mileage claims are listed only on Established, the $97 plan.
Prices exclude taxes, which the terms say are calculated from the billing address. Payment fees apply to online invoice payments and to bill payments other than standard ACH, and the fee amounts are not on the pricing page.
The terms say a move to a less expensive plan is possible 1 month after upgrading.

Xero pricing for a team of 1, 5 and 20

Xero charges per plan, not per person. The page states "No per-user license fees", so a team of 1, 5 or 20 pays the same subscription. The figures below are arithmetic on the regular prices read on 11 Oct 2026, before taxes.

Plan	Per month, any team size	Per year at regular price
Early	$27	$27 x 12 = $324
Growing	$59	$59 x 12 = $708
Established	$97	$97 x 12 = $1,164

Team size changes the bill only through payroll. Xero Payroll, powered by Gusto, is $36 a month plus $6 per employee or contractor:

1 person: $36 + 1 x $6 = $42 a month
5 people: $36 + 5 x $6 = $66 a month
20 people: $36 + 20 x $6 = $156 a month

Growing with payroll for 5 people is $59 + $66 = $125 a month, or $125 x 12 = $1,500 a year.

What the offer changes

On 11 Oct 2026 the page showed 80% off for the first 3 months for new US customers. The first year then costs:

Early: 3 x $5.40 + 9 x $27 = $259.20
Growing: 3 x $11.80 + 9 x $59 = $566.40
Established: 3 x $19.40 + 9 x $97 = $931.20

The discount applies to the base plan only, so payroll and other add-ons are charged in full from the start.

Which plan fits which business

Early: up to 20 invoices and 5 bills, with bank reconciliation, reports and sales tax. Auto-reconcile costs $5.00 a month extra, which makes $27 + $5 = $32.
Growing: no invoice or bill limit shown, plus automated bill entry, dashboards, budgets and auto-reconcile.
Established: multiple currencies, project tracking, expense and mileage claims and a 180 day cash flow forecast.

Billing details

Subscriptions auto-renew monthly until cancelled, and the page shows no annual price. Prices are in USD and exclude taxes. Standard ACH bill payments are included in every plan. Fees apply to other payment methods and to online invoice payments, and the amounts are not listed on the pricing page. Inventory Plus is marked optional on Growing and Established with no price shown.

Other tools of this kind are filed in the invoicing and billing drawer. FreshBooks' price file records flat monthly plans, and both Zoho Books' price file and Wave's price file record a free plan.

If this one does not fit

FreshBooks From $23/mo
Invoicing and accounting software with flat monthly plans that limit billable clients, as recorded in its Tooldossier file.
Zoho Books Free, or from $15/org/mo
Accounting software with a free plan and paid plans priced per organization, as recorded in its Tooldossier file.
Wave Free, or $190/yr
Invoicing and accounting software with a free plan, as recorded in its Tooldossier file.
QuickBooks Online From $38/mo
Accounting software with flat monthly plans, as recorded in its Tooldossier file.

Best invoicing software, ranked by price ranked

Questions

Is Xero free?: No. The Xero pricing page lists no free plan as of 11 Oct 2026. The cheapest plan is Early at a regular price of $27 a month. The page shows a Get one month free option, and its terms were not read for this file.
Is there a Xero free plan?: No Xero free plan is shown. The page lists three paid plans: Early, Growing and Established. New US customers were offered 80% off for the first 3 months on 11 Oct 2026, and setup help from a product specialist is free for the first 90 days.
What does Xero cost?: Xero cost at regular price is $27 a month for Early, $59 for Growing and $97 for Established, billed monthly, before taxes. On 11 Oct 2026 an offer showed $5.40, $11.80 and $19.40 a month for the first 3 months.
What is the Xero price per user?: There is none. The page states No per-user license fees, so each plan is a flat monthly amount: $27, $59 or $97. The per-person charge on the page is for payroll: $36 a month plus $6 per employee or contractor. Read on 11 Oct 2026.
What are the Xero plans?: The page shows three Xero plans. Early ($27 a month) allows 20 invoices and 5 bills. Growing ($59) removes those limits and adds dashboards, budgets and auto-reconcile. Established ($97) adds multiple currencies, projects, expense claims and a 180 day cash flow forecast.
Can Xero be paid annually?: The page shows monthly prices only and no annual price. Under the question about paying annually, it says the invoice arrives at the end of each monthly billing period, and the terms say subscriptions auto-renew monthly until cancelled.
Does Xero charge payment or setup fees?: Payment fees apply to online invoice payments and to bill payments other than standard ACH, but the amounts are not on the pricing page. No setup fee is named: the page says onboarding help from a product specialist is free for the first 90 days. Prices exclude taxes.

What this check confirmed

Read off https://www.xero.com/us/pricing-plans/ on 11 Oct 2026 from a US connection, with the page on its Buy now option, the state it loads in. The footer region read United States (USD). Confirmed: regular prices of $27 for Early, $59 for Growing and $97 for Established per month, each shown as Then $X per month under an offer price; the offer prices of $5.40, $11.80 and $19.40 per month for the first 3 months (80% off); the Early limits of 20 invoices and 5 bills; the statement No per-user license fees; the optional add-ons priced in the comparison table, $5.00 per month for auto-reconcile on Early and $36 a month plus $6 per employee or contractor for Xero Payroll, powered by Gusto; that subscriptions auto-renew monthly; that prices exclude taxes. The offer terms and the answer to the annual payment question were read from the same page with those sections expanded, in a second capture that is not the evidence image. Not confirmed: the terms behind the Get one month free option, which could not be opened; the price of Inventory Plus, which is marked Optional with no figure; the payment fees for online invoice payments and for bill payments other than standard ACH, which the page links to and does not list; any annual price, since none is shown.

Figures on this file were read off the vendor's own pricing page on the dates shown. Prices change without notice; check before buying.

Price changed? Say so

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Work at Xero? Claim this listing to suggest corrections from a company address.

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