Xero Pricing in 2026: Plans, Hidden Costs & Alternatives
Quick Answer
Xero starts at $15/monthly. Beautiful UI, unlimited users on every plan, and strong international support. Xero is the main QBO alternative for businesses that want modern cloud accounting without Intuit's lock-in. Particular...
Xero Plans & Pricing
- Unlimited users
- 20 invoices/mo
- 5 bills/mo
- Bank reconciliation
- Unlimited users
- Unlimited invoices
- Unlimited bills
- Bulk reconciliation
- Unlimited users
- Multi-currency
- Expense claims
- Project tracking
Full Pricing Breakdown
| Plan | Monthly Price | Annual Price | Billing | Per |
|---|---|---|---|---|
| Starter | $15 | — | monthly | flat |
| Standard | $42 | — | monthly | flat |
| Premium | $78 | — | monthly | flat |
Xero Pricing History
Xero has changed pricing 6 times in our records.
| Date | Plan | Old Price | New Price | Change |
|---|---|---|---|---|
| 2023-11-01 | Starter | $13 | $15 | Increase (15%) |
| 2023-11-01 | Standard | $37 | $42 | Increase (14%) |
| 2023-11-01 | Starter | $13 | $15 | Increase (15%) |
| 2023-11-01 | Standard | $37 | $42 | Increase (14%) |
| 2023-11-01 | Starter | $13 | $15 | Increase (15%) |
| 2023-11-01 | Standard | $37 | $42 | Increase (14%) |
What You Get: Xero Features
| Feature | Included | Plan Tier | Notes |
|---|---|---|---|
| Receipt scanning | No | All | |
| Audit trail | Yes | All | |
| Tax preparation | No | All | |
| Accountant access | Yes | All | |
| Bank reconciliation | Yes | All | |
| Bill pay | Yes | All | |
| Double-entry accounting | Yes | All | |
| Expense tracking | Yes | All | |
| Inventory tracking | No | All | |
| Invoicing | Yes | All | |
| Mobile app | Yes | All | |
| Multi-currency | Yes | All | |
| Multi-entity | Yes | All | |
| Role-based permissions | Yes | All | |
| Time tracking | No | All | |
| API access | Yes | All | |
| Bank feeds | Yes | All | |
| Payroll integration | Yes | All | |
| Budgeting | Yes | All | |
| Custom reports | Yes | All | |
| Financial reports (P&L, Balance Sheet, Cash Flow) | Yes | All | |
| Project profitability | Yes | All |
What Users Say About Xero
| Source | Rating | Reviews | Ease of Use | Support | Value |
|---|---|---|---|---|---|
| CAPTERRA | 4.4/5 | 2800 | 4.2 | 4.0 | 4.2 |
| G2 | 4.3/5 | 600 | 4.1 | 3.8 | 4.1 |
Xero Alternatives
Looking for a Xero alternative? Here are the top-rated general accounting tools:
| Tool | Starting Price | Score |
|---|---|---|
| Zoho Books | Custom | 9.3/10 |
| QuickBooks Online | $30/mo | 8.6/10 |
| Sage Business Cloud | $15/mo | 8.1/10 |
| FreeAgent | $14/mo | 7.7/10 |
| Kashoo | Custom | 7.3/10 |
Is Xero Worth It?
Beautiful UI, unlimited users on every plan, and strong international support. Xero is the main QBO alternative for businesses that want modern cloud accounting without Intuit's lock-in. Particularly strong in the UK, Australia, and New Zealand. Xero offers a free trial so you can test before committing.
Frequently Asked Questions
Why doesn't Xero charge per user?
Xero's pricing philosophy includes unlimited users on all plans. They compete on plan features (invoice limits, multi-currency) rather than per-seat pricing. This makes Xero dramatically cheaper for teams.