Pricing · Accounting

Xero pricing

What Xero costs in the US, tier by tier, why every plan includes unlimited users, and the add ons that change the final number.

Xero keeps its US pricing simple: three monthly tiers, and every one includes unlimited users, which is unusual and a real saving for teams. Early is the entry plan but it is capped at 20 invoices and 5 bills a month, so it suits only the lightest solo use. Growing removes those caps and is where most small businesses land, and Established adds multi currency, projects, expense claims and analytics. Below we lay out each plan as published, then the payroll, payment processing and bill pay costs that tend to push real spend past the subscription. The unlimited users help, but usage based fees still add up.

Read the full Xero review

        Reviewed by FREDRIK FILIPSSON·Updated MAY 2026·How we vet
      

Plans and prices

Per month, US plans

Pricing as of June 2026. US plans are Early $25, Growing $55 and Established $90 a month, all with unlimited users. New customers may see an introductory discount before the standard rate applies. Payroll, payments and add ons are billed separately. Check the vendor for current pricing.

Early

$25

Capped at 20 invoices, 5 bills

+Unlimited users

+Send up to 20 invoices a month

+Enter up to 5 bills a month

+Bank reconciliation and reports

★ Our pick

Growing

$55

Unlimited invoices and bills

+Everything in Early

+Unlimited invoices and quotes

+Unlimited bills

+Bulk reconcile transactions

Established

$90

Multi currency and projects

+Everything in Growing

+Multiple currencies

+Projects and expense claims

+Advanced analytics

What moves the real bill

Unlimited users help, but usage fees add up.

Xero's flat per plan price and unlimited users are a genuine saving, but four things still move the real bill. Budget for these before you commit.

→ The Early plan caps. Early is capped at 20 invoices and 5 bills a month. Bump into either limit and you are pushed to Growing at $55, so most active businesses pay the middle tier, not the entry one.

→ Payroll. Xero runs US payroll through a Gusto integration, which is a separate paid subscription, so any business that pays employees adds that cost on top of the Xero plan.

→ Payment processing. Accepting card or bank payments on invoices through Stripe or GoCardless carries per transaction fees, billed by the payment provider on top of the subscription.

→ Bill pay and add ons. Online bill payments run through Melio and other add ons such as advanced features or third party apps can raise the total beyond the base plan.

Pricing questions

Xero pricing FAQ

Is there a free version of Xero?

No. Xero has no permanently free plan. US pricing starts at $25 a month for Early, and new customers may see an introductory discount before the standard rate applies. A free trial is available. Pricing as of June 2026; check the vendor for current pricing.

How much does Xero cost in the US?

US plans are $25 a month for Early, $55 for Growing and $90 for Established, each billed monthly with unlimited users. Early is capped at 20 invoices and 5 bills a month; Growing removes those caps. Verified June 2026.

Which Xero plan is best value?

For most small businesses, Growing at $55 is the practical pick because Early's 20 invoice and 5 bill caps are easy to exceed. Established adds multi currency, projects and analytics for businesses that need them.

Does Xero charge extra beyond the plan price?

Often, yes. US payroll runs through a paid Gusto integration, card and bank payments carry processing fees, and bill pay and certain add ons cost extra. The unlimited users help, but usage based fees still add to the subscription.

Keep reading

Xero review → Xero alternatives → The Accounting ranking → QuickBooks Online pricing →