Xero Pricing 2026
Complete breakdown of Xero plans, costs, and what's included. Plans start at $15/mo.
All Xero Plans & Pricing
Choose the right plan for your needs. All prices are billed monthly.
Starter
- ✓ All Free features
- ✓ Increased storage limits
- ✓ Email support
- ✓ Basic integrations
- ✓ Up to 10 team members
Standard
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
Premium
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
All Xero paid plans are billed monthly. Annual billing typically saves 15-20%.
Xero Plan Comparison
See what's included in each plan at a glance.
| Feature | Starter | Standard | Premium |
|---|---|---|---|
| Price | $15/mo | $42/mo | $42/mo |
| Storage | 10 GB | 100 GB | 100 GB |
| Team Members | Up to 10 | Up to 50 | Up to 50 |
| Integrations | Standard | Advanced | Advanced |
| Support | Priority | Priority | |
| Analytics | Standard | Advanced | Advanced |
| Custom Branding | ✗ | ✓ | ✓ |
| API Access | Standard | Full | Full |
| SSO / SAML | ✗ | ✗ | ✗ |
How to Save on Xero
Choose Annual Billing
Save 15-20% by switching from monthly to annual billing. Most Xero plans offer this discount.
Student & Education Discounts
Students, teachers, and educational institutions may qualify for special pricing or extended free plans.
Startup Programs
Early-stage startups can often access premium features at reduced rates through partner programs.
Xero vs Competitors: Price Comparison
How does Xero pricing stack up against similar tools?
Xero
This tool
YNAB
QuickBooks Online
Deel
Harvest
Xero Pricing FAQ
Common questions about Xero costs, plans, and billing.
Is Xero free?
Xero does not offer a permanently free plan. However, most plans include a free trial period so you can test the platform before committing. Paid plans start at $15/month.
How much does Xero cost per user?
Xero uses a monthly pricing model. The Starter plan is $15/month. The Standard plan is $42/month. The Premium plan is $78/month.
Does Xero offer a free trial?
Most Xero paid plans include a free trial period (typically 7-14 days) so you can explore premium features before committing. Check the Xero website for current trial offers and terms.
What is the cheapest Xero plan?
The most affordable Xero plan is Starter at $15/month. Annual billing can save you 15-20%.
Is Xero worth the price?
Xero is rated 4.4/5 by users. It's best for small businesses, accountants, international companies. Key strengths include beautiful, modern interface and unlimited users on all plans. Most plans include a free trial. Compare with alternatives like YNAB and QuickBooks Online to ensure the best fit.
Does Xero offer discounts for annual billing?
Yes, most SaaS tools including Xero offer significant discounts (typically 15-20% off) when you choose annual billing instead of monthly. Student, nonprofit, and startup discounts may also be available — check the Xero pricing page for current offers.
Ready to get started with Xero?
Start your free trial of Xero and see if it fits your workflow.