Xero's pricing page, as read on 2026-10-08.

Pricing Plans | Xero US

Plans backed by real support

Simple software to run your business, with support when needed.

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Free expert setup help

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No per-user license fees

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Real-time financial insights

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Trusted by 5 million customers

Get 80% off your plan for your first 3 months*

Buy now

Get one month free

Forecast with clarity

Forecast with clarity

Established

$19.40per month

for the first 3 months

Then $97 per month

Future proof your scaling business - with advanced tools and analytics.

Features

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Send invoices and quotes

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Accept online invoice payments^

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Automate bill entry and track bills

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Reconcile bank transactions

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Smart Document Capture

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View real-time reports

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W-9 + 1099 management

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Sales tax

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Visualize performance with graphs

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180 day cash flow forecast

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Make online bill payments (Domestic - Free ACH)

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Make online bill payments (Cross Border)

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Customize performance dashboards

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Tailored financial health scorecards

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Analyze KPIs and ratios

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Use multiple currencies

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Track time and costs for projects

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Employee expense and mileage claims

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Benchmark against the industry

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Make online bill payments (International)

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Budget with smart suggestions

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Auto-reconcile transactions

Optional add-ons

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Inventory Plus (optional)

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Xero Payroll, powered by Gusto

• Buy now
• Learn more

Growing

$11.80per month

for the first 3 months

Then $59 per month

Go beyond the basics - automate tasks and access performance dashboards.

Features

-

Send invoices and quotes

-

Accept online invoice payments^

-

Automate bill entry and track bills

-

Reconcile bank transactions

-

Smart Document Capture

-

View real-time reports

-

W-9 + 1099 management

-

Sales tax

-

Visualize performance with graphs

-

60 day cash flow forecast

-

Make online bill payments (Domestic - Free ACH)

-

Make online bill payments (Cross Border)

-

Customize performance dashboards

-

Tailored financial health scorecards

-

Budget with smart suggestions

-

Auto-reconcile transactions

Optional add-ons

-

Inventory Plus (optional)

-

Xero Payroll, powered by Gusto

• Buy now
• Learn more

Early

$5.40per month

for the first 3 months

Then $27 per month

An easy financial foundation - track cash flow with the essentials.

Features

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Send quotes and 20 invoices†

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Accept online invoice payments^

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5 bills

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Reconcile bank transactions

-

Smart Document Capture

-

View real-time reports

-

W-9 + 1099 management

-

Sales tax

-

Visualize performance with basic graphs

-

30 day cash flow forecast

-

Make online bill payments (Domestic - Free ACH)

-

Make online bill payments (Cross Border)

Optional add-ons

-

Xero Payroll, powered by Gusto

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Auto-reconcile transactions

• Buy now
• Learn more

Back to top

Get 80% off your plan for your first 3 months*

Buy now

Get one month free

Early

$5.40per month

for the first 3 months

Then $27 per month

An easy financial foundation - track cash flow with the essentials.

Includes

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Send quotes and 20 invoices†

-

Accept online invoice payments^

-

5 bills

-

Reconcile bank transactions

-

Smart Document Capture

-

View real-time reports

-

W-9 + 1099 management

-

Sales tax

-

Visualize performance with basic graphs

-

30 day cash flow forecast

-

Make online bill payments (Domestic - Free ACH)

-

Make online bill payments (Cross Border)

• Buy now
• Learn more

Growing

$11.80per month

for the first 3 months

Then $59 per month

Go beyond the basics - automate tasks and access performance dashboards.

Everything in Early, plus:

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Send invoices and quotes

-

Automate bill entry and track bills

-

Visualize performance with graphs

-

60 day cash flow forecast

-

Customize performance dashboards

-

Tailored financial health scorecards

-

Budget with smart suggestions

-

Auto-reconcile transactions

• Buy now
• Learn more

Forecast with clarity

Forecast with clarity

Established

$19.40per month

for the first 3 months

Then $97 per month

Future proof your scaling business - with advanced tools and analytics.

Everything in Growing, plus:

-

180 day cash flow forecast

-

Analyze KPIs and ratios

-

Use multiple currencies

-

Track time and costs for projects

-

Employee expense and mileage claims

-

Benchmark against the industry

-

Make online bill payments (International)

• Buy now
• Learn more

Compare features across plans

Compare features across plans

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Forecast with clarity

Forecast with clarity

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Early

Buy now

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Growing

Buy now

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Established

Buy now

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Send invoices and quotes

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Send quotes and 20 invoices†

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Accept online invoice payments^

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Automate bill entry and track bills

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Enter 5 bills

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|

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Reconcile bank transactions

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|

|

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Smart Document Capture

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|

|

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View real-time reports

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|

|

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W-9 + 1099 management

|

|

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Sales tax

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Visualize performance with graphs

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Basic

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Forecast cash flow

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30 day forecast

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60 day forecast

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180 day forecast

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Make online bill payments (Domestic)††

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Free ACH

Fees apply for other payment methods††

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Free ACH

Fees apply for other payment methods††

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Free ACH

Fees apply for other payment methods††

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New

Make online bill payments (Cross Border)

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Optional

Payment fees apply††

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Optional

Payment fees apply††

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Optional

Payment fees apply††

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Customize performance dashboards

|

|

|

|

Tailored financial health scorecards

|

|

|

|

Analyze KPIs and ratios

|

|

|

|

Budget with smart suggestions

|

|

3 budgets

|

|

Use multiple currencies

|

|

|

|

Track time and costs for projects

|

|

|

|

Employee expense and mileage claims

|

|

|

|

New

Benchmark against the industry

|

|

|

|

New

Make online bill payments (International)

|

|

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Auto-reconcile transactions

|

Optional

$5.00 per month

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New

Xero Payroll, powered by Gusto

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Optional

$36 a month + $6 per employee/contractor

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Optional

$36 a month + $6 per employee/contractor

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Optional

$36 a month + $6 per employee/contractor

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Inventory Plus

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Optional

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Optional

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Back to the top

Pricing plan details and offer terms

Xero reserves the right to change pricing at any time. All prices are listed in USD and do not include applicable taxes. Taxes will be calculated based on your billing address before you enter your payment information. Your monthly recurring total will be updated accordingly in the following steps. Xero subscriptions auto-renew monthly until they are cancelled. If you later decide to change to a less expensive plan you can do so 1 month after upgrading.

*New customers get 80% off for the first 3 months, then Xero’s regular price will apply and auto-renew monthly until cancelled as described in our Terms of Use. Only available to customers in the United States purchasing their first organization on xero.com using code DC80325309US. Discount applies to base Early, Growing, Established plan subscriptions and does not apply to any additional charges for add‑ons, usage and payment fees, unless otherwise specified. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.

†Invoice limits for the Early plan apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute to your invoice limit.

^Payment fees apply to the use of online invoice payments. See here for more information.

**Median payment times of invoices with a payment service included and sent via SMS by customers using Xero in US from 9/1/2024 to 3/31/2025 (compared to invoices sent by email and without payment service included).

a. ††Payment fees may apply to the use of online bill payments. Standard ACH payments are included in Xero Early, Growing and Established plans (fees apply for other payment methods). Included payments apply to standard ACH payments in USD and excludes same day ACH, international or cross border payments. Any payment fees are in addition to your Xero monthly subscription amount and are not eligible for subscription discounts and offers. Fees exclude applicable taxes. See here for more information.

See our terms of use for details

Hubdoc terms of use

Xero reserves the right to change pricing at any time. All prices are listed in USD and do not include applicable taxes. Taxes will be calculated based on your billing address before you enter your payment information. Your monthly recurring total will be updated accordingly in the following steps. Xero subscriptions auto-renew monthly until they are cancelled. If you later decide to change to a less expensive plan you can do so 1 month after upgrading.

*New customers get 80% off for the first 3 months, then Xero’s regular price will apply and auto-renew monthly until cancelled as described in our Terms of Use. Only available to customers in the United States purchasing their first organization on xero.com using code DC80325309US. Discount applies to base Early, Growing, Established plan subscriptions and does not apply to any additional charges for add‑ons, usage and payment fees, unless otherwise specified. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.

†Invoice limits for the Early plan apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute to your invoice limit.

^Payment fees apply to the use of online invoice payments. See here for more information.

**Median payment times of invoices with a payment service included and sent via SMS by customers using Xero in US from 9/1/2024 to 3/31/2025 (compared to invoices sent by email and without payment service included).

a. ††Payment fees may apply to the use of online bill payments. Standard ACH payments are included in Xero Early, Growing and Established plans (fees apply for other payment methods). Included payments apply to standard ACH payments in USD and excludes same day ACH, international or cross border payments. Any payment fees are in addition to your Xero monthly subscription amount and are not eligible for subscription discounts and offers. Fees exclude applicable taxes. See here for more information.

See our terms of use for details

Hubdoc terms of use

The quickest move in business? Leaving QuickBooks.

Friendly layouts, collaborative features and a US-based team make it the ideal QuickBooks alternative to switch to.Compare Xero vs. QuickBooks.

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Tap to pay your way

Tap-to-pay on both Android and iPhone. Powered by Stripe, you can accept payments on the spot.

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Insights at first sight

Rich, visual analytics on every plan with Syft, so you always know where your business stands.

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Help from real humans

Free, personalized onboarding from a product specialist for your first 90 days. Finally, setup that doesn't burn time.

Payroll that’s easy to love.

Xero Payroll, powered by Gusto, is here. Calculate and file payroll taxes, pay your team, and keep up with your compliance obligations, without leaving Xero!

Learn more about Xero Payroll, powered by Gusto

Learn the ropes with a Xero Coach.

A product specialist sets you up, helps connect your banks, and gets your dashboard ready. Free for your first 90 days.

Learn more about Xero coaches

Frequently asked questions

Can I pay the subscription annually?

You'll receive your invoice at the end of your monthly billing period. Payment will be taken on the date shown on your invoice using the payment details entered when you purchased your subscription.If you’ve incurred usage charges for Xero Payroll, Xero Projects or Xero Expenses – or you have a chargeable direct bank feed – these charges will be invoiced for the previous month.

You'll receive your invoice at the end of your monthly billing period. Payment will be taken on the date shown on your invoice using the payment details entered when you purchased your subscription.If you’ve incurred usage charges for Xero Payroll, Xero Projects or Xero Expenses – or you have a chargeable direct bank feed – these charges will be invoiced for the previous month.

Will my data be safe and private?

We're committed to the security of your data and provide multiple layers of protection for the personal and financial information you trust to Xero. Find out more about Xero’s commitments to data protection and data security.

Read our privacy notice for more information

We're committed to the security of your data and provide multiple layers of protection for the personal and financial information you trust to Xero. Find out more about Xero’s commitments to data protection and data security.

Read our privacy notice for more information

How can a Xero coach help me?

Book a free call with a Xero Coach to help you connect your bank, set up invoices and bills, and turn the analytics dashboard into a live pulse check on your whole business.

Book a free call with a Xero Coach to help you connect your bank, set up invoices and bills, and turn the analytics dashboard into a live pulse check on your whole business.

Xero subscriptions auto-renew monthly until they are cancelled.

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