How we price this: SoftwareSift reads these numbers straight off the vendor pricing page, on the date shown, and re-checks them monthly. We report the real price whether or not we earn anything when you sign up -- that independence is the whole point of this page. Numbers are list prices in USD for US plans; promos and per-seat scaling are called out separately so the headline never hides the real bill.
Xero keeps its US pricing simple: three monthly plans separated mainly by invoice and bill limits. Like QuickBooks it runs a heavy intro promo, but the regular monthly rates are clean and easy to budget against.
Xero pricing at a glance
| Plan | Price | Billing | Notes |
|---|---|---|---|
| Early | $27/mo | monthly list | 20 invoices, 5 bills |
| Growing | $59/mo | monthly list | unlimited invoices and bills |
| Established | $97/mo | monthly list | adds multi-currency, projects, analytics |
Prices verified October 1, 2026 from the Xero pricing page (Xero raised US list prices on October 1, 2026, from $25/$55/$90); re-checked monthly. List prices, USD, US plans.
The real cost (what the headline hides)
As read on October 31, 2026, the current promo is $2.70, $5.90, and $9.70 a month for the first 6 months (90% off), then the list prices above. Xero states the offer ends November 2, 2026. Payroll, projects, and expense claims are add-ons on some plans, so a business that needs them pays more than the headline.
Which plan should you pick?
Early ($27/mo) suits very small or new businesses comfortable with the invoice cap; most settle on Growing ($59/mo) once they outgrow 20 invoices a month. To see how Xero compares with QuickBooks and FreshBooks on real annual cost, read our accounting software pricing comparison.
Visit Xero -- Growing plan $59/mo
SoftwareSift Team. We earn affiliate commissions on some tools we cover, disclosed on every link; this never changes the prices we report.