Full accounting with unlimited users on every plan — strong outside the US too.
Last reviewed Jul 15, 2026 · Pricing verified Jul 15, 2026
DEV-TOP · horizontalOur take
Best for small businesses with multiple people who need to log in without per-seat fees, especially outside the US.
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Verified Jul 15, 2026 against Xero's own pricing page.
| Plan | Monthly | Annual | Key limits |
|---|---|---|---|
| Early | 25 USD/mo | — | Unlimited users; invoice/bill entry caps apply |
| Growing | 55 USD/mo | — | Unlimited invoicing and bill entry |
| Established | 90 USD/mo | — | Multi-currency, project tracking, expenses |
There's no permanent free plan. No free tier — 30-day free trial. Plan names and prices differ by country (UK: Ignite/Grow/Comprehensive/Ultimate at different price points) — confirm the right regional page for your market.
DEV-MID · rectangleOriginated in New Zealand; strong UK, Australia and NZ tax/MTD support with a growing US presence.
Not ready for Xero? Start with our free tools — come back when you outgrow them.
Pick this instead if: US small businesses that work with an outside bookkeeper/accountant
Pick this instead if: Freelancers and consultants who bill by time or project
Pick this instead if: US/Canada solopreneurs and side-hustles wanting free bookkeeping
Pick this instead if: Anyone sending occasional invoices who wants zero setup and instant online payment
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