Xero Pricing 2026: Complete Breakdown
By ToolVS Research Team · Last Updated April 2026
30-SECOND ANSWER
Xero costs $15/month for Starter, $42/month for Standard, and $78/month for Premium. All plans include unlimited users. Xero is generally cheaper than QuickBooks for multi-user businesses.
Xero Plans & Pricing
Starter
- Send 20 invoices/month
- Enter 5 bills/month
- Reconcile bank transactions
- Short-term cash flow
- Hubdoc (capture receipts)
Standard
- Unlimited invoices
- Unlimited bills
- Bulk reconcile transactions
- Project tracking
- Multi-currency
Premium
- Everything in Standard
- Multi-currency support
- Expenses management
- Analytics Plus
- Payroll (in select regions)
All Plans
- Unlimited users
- Unlimited bank connections
- Xero mobile app
- 1,000+ integrations
- Payroll (varies by region)
Hidden Costs & Gotchas
- US payroll requires third-party integration (Gusto, ~$40/mo + per employee)
- Xero Projects: included in Standard+ but limited in Starter
- Xero Expenses: only on Premium
- No annual billing discount (same price monthly and annually)
- Starter plan severely limits invoices (20) and bills (5) per month
Is Xero Worth It?
Xero Starter ($15/month) is only for very small businesses with few invoices. Most businesses need Standard ($42/month) for unlimited invoicing and bills. Premium ($78/month) is worth it for multi-currency businesses and expense management. The killer feature is unlimited users on all plans - QuickBooks limits to 1-25 users. For US businesses needing payroll, QuickBooks has an advantage with built-in payroll.
Price Comparison: Xero vs Competitors
| Tool | Free | Starter | Mid-Tier | Enterprise |
|---|---|---|---|---|
| Xero | $15 | $42 /mo | $78 /mo | Included |
| QuickBooks | No free plan | $30/mo (1 user) | $60/mo (3 users) | $200/mo (25 users) |
| FreshBooks | No free plan | $8.50/mo | $15/mo | $27.50/mo |
| Wave | Free | Free | Free | N/A |
Frequently Asked Questions
Related: Xero Alternatives — All Pricing Guides
Last updated: . Pricing verified monthly.