Xero Pricing 2026: Plans, Limits, and Changes

Early

$27/month

80% off your plan for the first 3 months, making it $5.40/month for 3 months.

Send quotes and 20 invoices
Accept online invoice payments
5 bills
Reconcile bank transactions
Smart Document Capture
View real-time reports

Growing

$59/month

80% off your plan for the first 3 months, making it $11.80/month for 3 months.

Send invoices and quotes
Accept online invoice payments
Automate bill entry and track bills
Reconcile bank transactions
View real-time reports
Customize performance dashboards

Established

$97/month

80% off your plan for the first 3 months, making it $19.40/month for 3 months.

Send invoices and quotes
Accept online invoice payments
Automate bill entry and track bills
Reconcile bank transactions
Advanced tools and analytics
Make online bill payments (International)

Xero pricing changes

History before weekly tracking started is reconstructed from monthly Internet Archive captures of the pricing page, starting Jan 1, 2026.

Oct 4, 2026Price upEarly: $25/month to $27/month (+8%).

Oct 4, 2026Price upGrowing: $55/month to $59/month (+7%).

Oct 4, 2026Price upEstablished: $90/month to $97/month (+8%).

Oct 4, 2026Package changedGrowing: Auto-reconcile bank transactions (Beta) replaced by Reconcile bank transactions.

Oct 4, 2026Package changedEstablished: Auto-reconcile bank transactions (Beta) replaced by Reconcile bank transactions.

Jul 1, 2026Package changedEarly: Make online bill payments (Free ACH) replaced by Smart Document Capture and View real-time reports.

Jul 1, 2026Package changedEstablished: Make online bill payments (Free ACH) replaced by Make online bill payments (International).

Jun 2, 2026Package changedEarly: Auto-reconcile Beta replaced by Capture bills and receipts and Make online bill payments (Free ACH) added.

Jun 2, 2026Package changedGrowing: Make online bill payments (Free ACH) and View real-time reports added.

Jun 2, 2026Package changedEstablished: Make online bill payments (Free ACH) added.

May 1, 2026Package changedEstablished: Advanced tools and analytics added to the Established plan.

Apr 1, 2026Package changedEarly: Make online bill payments now specified as optional and notes that payment fees apply.

Apr 1, 2026Package changedGrowing: Make online bill payments now specified as optional and notes that payment fees apply.

Apr 1, 2026Package changedEstablished: Make online bill payments now specified as optional and notes that payment fees apply.

Xero vs. other billing & finance

Product	Pricing model	Lowest paid plan	Highest listed plan
Xero	Flat price	Early: $27/month	Established: $97/month
Stripe Billing	Usage-based	Pay as you go: 0.7% of Billing volume	-
Chargebee	Usage-based	Commit Monthly: $99 platform fee + 0.65% of monthly billing value	-
Maxio	Contact sales	Grow: $599 / month	-
Paddle	Usage-based	Contact sales	-
Recurly	Seat plus usage	Starter: $249 per month + 0.9% of billing volume	Engage: $1,600 per month, billed annually
QuickBooks Online	Per seat	Simple Start: $38 / mo	Advanced: $340 / mo

From each vendor's latest verified pricing page. Units differ between products, so compare what each plan includes, not only the number.

Xero pricing FAQ

How much does Xero cost?

Xero lists 3 plans: Early at $27/month; Growing at $59/month; Established at $97/month. Prices as published on Xero's pricing page, last verified Oct 11, 2026.

Has Xero pricing changed?

Yes. 14 changes recorded. The most recent, on Oct 4, 2026: Early: $25/month to $27/month (+8%).

How is Xero pricing tracked here?

RevExOS reads Xero's public pricing page every week, extracts each plan's price, unit and inclusions, and records any difference from the previous check as a dated change. Promotional and introductory prices are noted separately from the regular price.

Xero pricing