How much does Xero cost?

Xero starts at $15/month for Starter (limited invoices). Standard is $42/month with unlimited invoices. Premium is $78/month with multi-currency.

Is Xero better than QuickBooks?

Xero has a cleaner interface and includes unlimited users on all plans. QuickBooks has better US payroll and accountant ecosystem. Both are excellent for small businesses.

Does Xero include payroll?

Xero offers payroll in select countries (US, UK, Australia, New Zealand). US payroll is through a Gusto integration. It is not included in base pricing.

Finance

Xero Pricing 2026: Plans, Costs & Value

A complete breakdown of Xero pricing plans, what each tier includes, and how it compares to alternatives in the Finance space.

Quick Answer

Xero does not have a free plan. Paid plans start at $15/mo, billed monthly.

Pricing Overview

Starting Price

$15/mo

base price

Pricing Model

Flat Rate

Billed monthly

Pricing Details

Xero offers Starter ($15/month, limited transactions), Standard ($42/month, unlimited), and Premium ($78/month, multi-currency). All plans include unlimited users, unlike QuickBooks.

Understanding Xero's Pricing Model

Flat Rate

Xero uses flat-rate pricing. You pay a single fixed fee regardless of how many users or how much usage your team generates. This model is highly predictable for budgeting and tends to offer better value for larger teams, since the cost stays the same whether you have 5 or 500 users.

Xero Pricing vs Alternatives

Tool	Starting Price	Free Tier	Pricing Model
Xero	$15/mo	No	Flat Rate
QuickBooks	$30/mo	No	Flat Rate
FreshBooks	$19/mo	No	Flat Rate

Is Xero Worth the Price?

When evaluating whether Xero is worth the investment, consider what you get for the price:

Beautiful interface
Unlimited users all plans
Strong internationally
Great bank feeds

At $15/mo, Xero is positioned as a budget-friendly option in the Finance space.

Xero Pricing FAQ

Xero starts at $15/month. There is no free tier available.

No, Xero does not currently offer a free plan. Paid plans start at $15/month.

The most affordable Xero plan starts at $15/month.

Compared to alternatives like QuickBooks, FreshBooks, Xero starts at $15/mo. Check the comparison table above to see how pricing stacks up across all options.