Xero has three monthly plans: Early at $2.50/month for your first 6 months (then $25), Growing at $5.50/month for 6 months (then $55), and Established at $9/month for 6 months (then $90).
Xero costs between $2.50 and $90 per month with 3 plans: Early at $2.50 for your first 6 months (then $25), Growing at $5.50 for your first 6 months (then $55), and Established at $9 for your first 6 months (then $90).
Here's a quick tour of what each plan includes, so you can pick with confidence.
Early
Price: $2.50/month for the first 6 months, then $25/month
Best For: New businesses that need a simple financial foundation
Other Features:
- Send quotes and 20 invoices
- Enter 5 bills and reconcile bank transactions
- Smart Document Capture and real-time reports
- 30-day cash flow forecast with free domestic ACH bill payments
Early is the simplest entry point. It fits solo operators and brand-new businesses that mainly need quotes, a small batch of invoices, and basic cash flow tracking. Just watch the caps: 20 invoices and 5 bills. Transactions started by connected apps can count toward your invoice limit, too.
Growing
Price: $5.50/month for the first 6 months, then $55/month
Best For: Small businesses that want automation and sharper insights
Other Features:
- Send invoices and quotes
- Automated bill entry and auto-reconciled bank transactions
- 60-day cash flow forecast and 3 smart budgets
- Custom dashboards and financial health scorecards
Growing removes Early's limits and handles the busywork for you. Bills get entered automatically and your bank transactions reconcile themselves. 🎯 If you invoice often and want cleaner reporting without the top-tier price, this is likely the sweet spot.
Established
Price: $9/month for the first 6 months, then $90/month
Best For: Scaling businesses that need deeper analytics
Other Features:
- 180-day cash flow forecast
- KPI and ratio analysis plus industry benchmarking
- Multi-currency support and project cost tracking
- Employee expense and mileage claims
- International online bill payments
Established builds on Growing with serious forecasting and analytics. Pick it if you track projects, trade in multiple currencies, or want to benchmark against your industry. If you don't use those extras, you'll pay $90 a month for tools you may rarely open.
Add-ons worth knowing
Every plan can add Xero Payroll, powered by Gusto, for $36/month plus $6 per employee or contractor. Inventory Plus is optional on Growing and Established. Payment fees apply to online invoice payments and to bill payment methods beyond standard ACH.
There's no free plan or free trial shown on this page. All plans auto-renew monthly until you cancel, and you can switch to a cheaper plan one month after upgrading. Prices are in USD and exclude taxes.
