Software price guides Accounting Xero
Last updated
Xero pricing in Australia
Xero has eight business plans in Australia, from Ignite for the self-employed to Ultra for multi-entity groups. Each is a flat monthly fee with allowances, and usage past them costs extra or needs a bigger plan.
Country
- Starting price
- A$37/month
- Ignite, AUD incl. GST
- Pricing model
- Flat monthly plans
- Plus usage charges
- Billing
- Monthly only
- No annual option
- Tax
- GST included
- Prices in AUD
- YOY change
- ↑ 9%
- Average yearly rise, 7 plans
- Last updated
- 12 Oct 2026
How much does Xero cost in Australia?
Plans
Eight plans, billed monthly, GST included. Ultimate 10 to 100 differ only by payroll headcount.
| Plan | Monthly | Who it is for | Key limits |
|---|---|---|---|
| Ignite | A$37 | An easy financial foundation, track cash flow with the essentials. | Key limits
|
| Grow | A$78 | Go beyond the basics, automate tasks and access performance dashboards. | Key limits
|
| Comprehensive | A$107 | Optimise profitability, tailor your insights for greater control. | Key limits
|
| Ultimate 10 | A$143 | Future proof your scaling business, with advanced tools and analytics. | Key limits
|
| Ultimate 20 | A$180 | Future proof your scaling business, with advanced tools and analytics. | Key limits
|
| Ultimate 50 | A$250 | Future proof your scaling business, with advanced tools and analytics. | Key limits
|
| Ultimate 100 | A$300 | Future proof your scaling business, with advanced tools and analytics. | Key limits
|
| Ultra | A$500 | Good for larger employers and more complex mid-sized businesses. | Key limits
|
Additional costs
Costs on top of the plan price.
| Cost | Price | Source |
|---|---|---|
| Payroll past the plan's headcount | Grow to Comprehensive: A$29 a month moreUpgrade, or A$2 per person a month on Ultimate 100 and Ultra | |
| Expense claimers past the allowance | A$5 eachPer user, monthly | |
| Project users past 10 | A$7 eachPer user, monthly | |
| Online bill payments past the allowance | A$0.35 eachPer payment | |
| JAX auto-reconcile on Ignite | A$8 a monthOptional, monthly; included on other plans | |
| Card payments on invoices (Stripe) | 1.8% + A$0.30 domestic; 3.5% + A$0.30 internationalPer transaction | |
| PayTo payments on invoices | 1.3% + A$0.30, capped at A$5Per transaction | |
| Ignite invoice limit | 20 a month, then Grow at A$78Hard cap on invoices and quotes | |
| Chargeable direct bank feeds | Not publicly listedMonthly in arrears | |
| Each additional organisation | Full plan price; multi-organisation discount ended 1 July 2026Separate subscription | |
| Downgrading | No feeLocked for 1 month after an upgrade |
Xero cost calculator
Enter your numbers to price every plan. Estimates in AUD, including GST.
Your numbers
Plan
Estimated cost, Comprehensive
A$107a month
- Per year, billed monthly
- A$1,284
- First 3 months, 80% off
- A$21 a month
- First year with the offer
- A$1,027
Line items, monthly
- Comprehensive subscription
- A$107
- Estimated monthly total
- A$107
Estimated, AUD, including GST. Offer: New customer offer, 80% off.
What Xero costs by company size
Estimated cost by number of employees, using the cheapest plan that fits each end of the band.
| Employees | Plans | Monthly cost | Annual cost | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 to 10 | Ignite to Ultimate 10 | A$37 to A$143 | A$37 | to | A$143 | A$444 to A$1,716 | A$444 | to | A$1,716 | |||
| 11 to 50 | Ultimate 20 to Ultimate 50 | A$180 to A$255 | A$180 | to | A$255 | A$2,160 to A$3,063 | A$2,160 | to | A$3,063 | |||
| 51 to 200 | Ultimate 100 | A$305 to A$626 | A$305 | to | A$626 | A$3,663 to A$7,509 | A$3,663 | to | A$7,509 | |||
| 201 to 500 | No plan fits | |||||||||||
Xero discount codes and offers
Current Xero offers in Australia, checked 12 October 2026.
-
New customer offer
80% off the base plan for 3 months
Code DC80325309AU
First organisation on xero.com; excludes usage and payment fees
-
One month free
First month free on any plan
New purchases; alternative to the 80% offer
-
NAB business customers
100% off for 6 months, plus a A$300 gift card
Via NAB internet banking
New customers, activate by 7 April 2027; gift card needs Grow or above for 12 months in a row
-
CommBank Yello for Business
95% off for 6 months, or 100% off on the Business Growth tier
Via the CommBank app
New Xero customers, once; Ignite to Ultimate
-
ANZ business customers
90% off for 6 months
ANZ business customers
-
Xero referral partners
90% off the base plan for 6 months
Via a partner's link
New organisations only, until 31 March 2027
-
Not-for-profit discount
25% off, ongoing
Registered not-for-profits, once Xero confirms eligibility
-
Through an accountant or bookkeeper
Partner pricing; size not published
Clients of Bronze partners and above
How to negotiate Xero's price
Xero does not advertise negotiated deals, so these levers come from how it charges, ranked by likely saving.
| Rank | Lever | How it works | What it can save |
|---|---|---|---|
| [01] | Start through a bank or partner link | Bank and partner offers give 90 to 100% off for 6 months, against 80% off for 3 months with Xero's own code. | Up to the full base price for 6 months |
| [02] | Right-size the plan | The Ultimate tiers differ only by headcount, so 18 people paid on Ultimate 50 (A$250) fits Ultimate 20 (A$180). Downgrades are allowed 1 month after an upgrade. | A$29 to A$70 a month |
| [03] | Consolidate organisations | Each organisation is a separate subscription, with no multi-organisation discount since 1 July 2026. Merge entities that do not need separate books. | A full plan price per organisation removed |
| [04] | Steer customers to cheaper payment methods | Cards cost 1.8% + A$0.30; PayTo 1.3% + A$0.30, capped at A$5. Bank transfer is free in Xero. | Up to 1.8% of every card-paid invoice |
| [05] | Prune users each month | Xero charges for anyone with access past the allowance. Remove people who have left or no longer claim. | A$5 per expense claimer, A$7 per project user, a month |
| [06] | Batch supplier payments | Payments past the free allowance cost A$0.35 each. Pay in fewer runs, or directly from your bank. | A$0.35 per payment |
| [07] | Buy through your accountant | Xero partners get discounts on client subscriptions. Ask whether yours will bill Xero for you, and at what price. | Not published |
| [08] | Use the price rise as the review date | Billing is monthly with no lock-in, so the 1 July increase is the time to compare or ask for a better rate. | Leverage only |
| [09] | Ask Xero directly at the top end | Xero's sales team handles Ultra and multi-entity groups, where there is more room to ask. Nothing is published. | Not published |
Xero price history
Monthly list prices over the last two years, including GST. Pick a plan, or hover for each change.
Show
Key points
- Ignite, the entry plan: +6% in two years, A$35 to A$37.
- Ultimate 50 moved most: +25%, A$200 to A$250.
- Average across 7 plans: +22% since Oct 2024.
- Last change: 1 July 2026.
What people say about Xero pricing
What Australians said in public about Xero's pricing in the last six months.
75%
Mostly negative
- Neutral 3 of 12
- Negative 9 of 12
9 of 12 public comments from Australian Xero customers and accountants in the last six months are negative and 3 neutral; none were positive. Most object to a rise every year with little new to show for it.
- Reddit.com negative This Australian Xero customer resents a price rise on the Comprehensive plan with nothing new to show for it, and urges others to lodge support tickets in protest. aerial-ibis (opens the original on Reddit.com)
- ProductReview.com.au negative This Australian Xero customer says Xero has become rent-seeking, raising their cheapest workable plan by over 30% in three years and brushing off their complaint. Julian L (opens the original on ProductReview.com.au)
- ProductReview.com.au negative This Australian Xero customer says Xero is getting steadily more expensive, and that the email announcing their Ultimate 10 plan rising to A$143 was tone deaf. Ern Malley (opens the original on ProductReview.com.au)
- Reddit.com negative This Australian Xero customer is fed up with Xero's lack of innovation and with frequent price rises made to please investors. bluesix_v2 (opens the original on Reddit.com)
- ProductReview.com.au negative This Australian Xero customer says endless price rises and unwanted add-ons have turned Xero into something users tolerate rather than love. Christopher Overton (opens the original on ProductReview.com.au)
- X.com negative This Australian Xero customer is annoyed that Xero keeps raising its prices and now costs them A$107 a month. Sahil H (opens the original on X.com)
- ProductReview.com.au neutral This Australian Xero customer, a supporter for seventeen years, is now looking at alternatives over price rises and constant change, while conceding Xero still beats the mainstream rivals. Mike P (opens the original on ProductReview.com.au)
- X.com neutral This Australian Xero customer passes on a finance contact's view that Xero was the most expensive software they paid for, until AI tools cost more. Rich Chetwynd (opens the original on X.com)
Xero alternatives
Other tools in our price guides for Australia, largest first by market share.
| Vendor | Starting price | Pricing model | Key difference | |
|---|---|---|---|---|
| MYOB | A$11 a month (Solo by MYOB) | Flat plans, monthly or yearly, plus per-employee payroll on Lite and Pro | Entry plans billed yearly | Price guides |
| QuickBooks | A$33 a month (Simple Start) | Flat plans capped by users, payroll per employee extra | Payroll charged separately | Price guides |
| Reckon | A$24 a month (Reckon One Accounting Plus) | Flat cloud plans, payroll in employee bands, per user Hosted and desktop | Australian-built; payroll sold by headcount band | Price guides |
| Zoho Books | Free plan; paid from A$20 a month (Standard) | Per organisation plans, plus extra users | Free plan below a revenue threshold | Price guides |
| FreshBooks | A$29 a month (Lite) | Tiers capped by billable clients, plus a fee per extra team member | Extra team members charged per person | Price guides |
| FreeAgent | A$32 a month (Universal) | One flat plan, unlimited users | One flat US dollar plan; not localised for Australia | Price guides |
Xero pricing questions
A$37 to A$500 a month: Ignite A$37, Grow A$78, Comprehensive A$107, Ultimate A$143 to A$300 and Ultra A$500. Usage past each allowance costs extra.
Yes. Prices are in AUD and include GST.
No. Xero bills monthly only, with no annual discount.
From 1 July 2026, Ignite rose from A$35 to A$37, Grow from A$75 to A$78 and Comprehensive from A$100 to A$107. The Ultimate tiers rose A$13 to A$28 a month.
No. New customers can get 80% off for 3 months, or one month free.
Yes. Eligible not-for-profits get 25% off once Xero verifies them.
Ultra is Xero's top plan, A$500 a month since 7 July 2026. It adds Syft reporting for 5 entities and priority support, with payroll for 10 people, then A$2 each.
Only past your plan's headcount, from 1 person on Ignite to 100 on Ultimate 100. Beyond that you upgrade, or pay A$2 per person a month on Ultimate 100 and Ultra, up to 200.
Xero pricing sources and methodology
From Xero's Australian pricing pages on 12 October 2026. Where sources disagree, Xero's own page wins.
Estimates from list prices, including GST, before payment fees.
Archived copies of Xero's pricing pages from October 2024 to October 2026, plus Xero's announcements. Standard prices, no promotions.
Drawn from how Xero charges, not from records of negotiated deals.
Ordered by Ensurva's estimate of each vendor's share of business customers in this country, from surveys, vendor customer counts, government software registers and review volume. Only tools with their own Ensurva price guide are listed.
Public comments from April to October 2026 by identifiably Australian authors, marked positive, negative or neutral. Cards show confirmed customers only.
Checked monthly. The date at the top is the last check.
- Xero AU pricing plans 12 Oct 2026
- Xero Ignite plan 12 Oct 2026
- Xero Ultra plan 12 Oct 2026
- Xero online bill payment fees 12 Oct 2026
- Xero Stripe fees 12 Oct 2026
- Xero terms of use 12 Oct 2026
- Xero not-for-profit pricing 12 Oct 2026
- Xero media release: Ultra 12 Oct 2026
- Xero blog: new plans in Australia (April 2024) 12 Oct 2026
- Xero partner email template, July 2025 prices 12 Oct 2026
- The Firm: Xero price increase 2026 12 Oct 2026
- Wayback Machine snapshots of xero.com/au/pricing-plans 12 Oct 2026
Estimates from published list prices on 12 October 2026. Check Xero's own pricing page before buying. Ensurva is not affiliated with Xero.