Software price guides Accounting Xero
Last updated
Xero pricing in Canada
Xero has three plans in Canada, Starter, Standard and Premium, priced in CAD before tax. Expense claims and projects cost extra per user, and payroll needs a separate app such as Wagepoint.
Country
- Starting price
- C$25/month
- Starter, CAD excl. GST/HST
- Pricing model
- Flat monthly plans
- Plus per-user add-ons
- Billing
- Monthly only
- No annual option
- Tax
- GST/HST extra
- Prices in CAD
- YOY change
- ↑ 11%
- Average yearly rise, 3 plans
- Last updated
- 12 Oct 2026
How much does Xero cost in Canada?
Plans
Three plans, billed monthly, GST/HST excluded.
| Plan | Monthly | Who it is for | Key limits |
|---|---|---|---|
| Starter | C$25 | Good for sole traders, new businesses, and the self-employed. | Key limits
|
| Standard | C$60 | Good for growing small businesses. | Key limits
|
| Premium | C$80 | Good for established businesses. | Key limits
|
Additional costs
Costs on top of the plan price.
| Cost | Price | Source |
|---|---|---|
| Expense claimers | C$5 eachPer active user, monthly, optional | |
| Project users | C$10 for the first, then C$7 eachPer active user, monthly, optional | |
| Auto-reconcile on Starter | C$5 a monthOptional, monthly; included on Standard and Premium | |
| Starter invoice and bill limits | 20 invoices and 5 bills, then Standard at C$60Hard cap | |
| Multiple currencies | C$20 a month more than StandardPremium only | |
| Payroll through Wagepoint | C$20 a month + C$4 per person (Solo), or C$40 + C$6 per person (Unlimited)Billed separately by Wagepoint | |
| Card payments on invoices (Stripe) | 2.9% + C$0.30 domestic; 3.7% + C$0.30 international; plus 2% for currency conversionPer transaction, plus sales taxes | |
| Klarna payments on invoices | 5.99% + C$0.30; C$20 per lost disputePer transaction, plus sales taxes | |
| Tap to Pay in person | 2.7% + C$0.20 most cards; 3.5% + C$0.20 international; Interac debit C$0.30Per transaction, plus sales taxes | |
| Stripe Instant Payouts | 1%, minimum C$0.60Per payout | |
| Chargeable direct bank feeds | Not publicly listed; CIBC charges C$5 a month for its Xero connectionMonthly in arrears | |
| GST/HST and other applicable taxes | 5% to 15% by provinceAdded to every Xero charge | |
| Each additional organisation | Full plan price; multi-organisation discount removed from the Canadian page in 2026Separate subscription | |
| Cancelling | The notice month is chargedOne month's notice | |
| Downgrading | No feeLocked for 1 month after an upgrade |
Xero cost calculator
Enter your numbers to price every plan. Estimates in CAD, excluding GST/HST.
Your numbers
Plan
Estimated cost, Standard
C$60a month
- Per year, billed monthly
- C$720
- First 3 months, 80% off
- C$12 a month
- First year with the offer
- C$576
Line items, monthly
- Standard subscription
- C$60
- Estimated monthly total
- C$60
Estimated, CAD, excluding GST/HST. 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 | Starter to Standard | C$25 to C$75 | C$25 | to | C$75 | C$300 to C$900 | C$300 | to | C$900 | |||
| 11 to 50 | Standard | C$70 to C$138 | C$70 | to | C$138 | C$840 to C$1,656 | C$840 | to | C$1,656 | |||
| 51 to 200 | Standard | C$138 to C$293 | C$138 | to | C$293 | C$1,656 to C$3,516 | C$1,656 | to | C$3,516 | |||
| 201 to 500 | Standard | C$293 to C$643 | C$293 | to | C$643 | C$3,516 to C$7,716 | C$3,516 | to | C$7,716 | |||
Xero discount codes and offers
Current Xero offers in Canada, checked 12 October 2026.
-
New customer offer
80% off the base plan for 3 months
Code DC8032614GL
First organisation on xero.com; excludes add-ons, usage and payment fees
-
Free trial
30 days, all features
New organisations; alternative to buying straight away
-
Xero referral partners
90% off the base plan for 6 months
Via a partner's link
New to Xero, first organisation, via the partner page, until 31 March 2027
-
RBC business clients
30 day free trial, then 100% off for 5 months
Code Code applied via RBC's link
New Canadian Starter, Standard or Premium subscriptions; not with other offers
-
TD Innovation Partners clients
90% off for 4 months, up to C$430
Requested through TD
New Xero customers banking with TD Innovation Partners
-
Non-profit discount
25% off, ongoing
Registered not-for-profits on a business plan; evidence within 31 days of subscribing
-
Through an accountant or bookkeeper
Partner pricing on business plans; size not published
Clients whose Bronze or higher partner buys the subscription
-
Xero Ledger or Cashbook via a partner
C$6 or C$12 a month instead of a business plan
Only via a partner practice; for clients who do not invoice
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 partner or bank link | Partners give 90% off for 6 months and RBC a free month then 5 months free, 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 | Premium is C$20 a month more than Standard, mainly for multiple currencies, KPIs and benchmarking. Drop to Standard if you no longer invoice in foreign currencies. | C$20 a month |
| [03] | Prune add-on users each month | Expenses and projects are charged per active user, none included. Remove people who have left or no longer claim or track time. | C$5 per expense claimer, C$7 to C$10 per project user, a month |
| [04] | Ask about Ledger or Cashbook | If you do not send invoices, Xero Ledger (C$6 a month) or Cashbook (C$12) may fit, through a partner practice. | Up to C$19 a month against Starter |
| [05] | Buy through your accountant | Bronze partners and above get discounts on client plans. Ask whether yours will bill Xero for you and pass some on. | Not published |
| [06] | Steer customers to cheaper payment methods | Stripe card payments cost 2.9% + C$0.30 domestic, more for international. Bank transfer and Interac e-Transfer are free in Xero. | Up to 2.9% of every card-paid invoice |
| [07] | Consolidate organisations | Each organisation is a separate subscription, and the multi-organisation discount is gone from Xero's Canadian page. Merge entities that do not need separate books. | A full plan price per organisation removed |
| [08] | Use the April price change as the review date | Xero raised Canadian prices on 1 April in 2025 and 2026. With monthly billing, that is the time to compare or ask for a better rate. | Leverage only |
Xero price history
Monthly list prices over the last two years, excluding GST/HST. Pick a plan, or hover for each change.
Show
Key points
- Starter, the entry plan: +25% in two years, C$20 to C$25.
- Average across 3 plans: +22% since Oct 2024.
- Last change: 1 Apr 2026.
Xero alternatives
Other tools in our price guides for Canada, largest first by market share.
| Vendor | Starting price | Pricing model | Key difference | |
|---|---|---|---|---|
| QuickBooks | C$20 a month (Lite) | Flat monthly plans capped by users, payroll per employee extra | Adding staff can force a tier change | Price guides |
| Sage | C$23 a month (Sage Accounting Start) | Flat monthly cloud plans, desktop plans by user band, payroll: base fee plus per employee | Two products: Sage Accounting in the cloud and Sage 50 on the desktop | Price guides |
| FreshBooks | C$26 a month (Lite) | Tiers capped by billable clients, plus C$13 per extra team member | Team members C$13 each a month | Price guides |
| Zoho Books | Free plan; paid from C$20 a month (Standard) | Free plan plus flat tiers per organisation, plus per-user add-ons | Extra users charged per person | Price guides |
| FreeAgent | C$31 a month (Universal) | One flat plan, unlimited users, plus optional Smart Capture add-on | One flat USD plan with unlimited users; no Canadian payroll or tax filing | Price guides |
Xero pricing questions
Starter is C$25, Standard C$60 and Premium C$80 a month, before tax. Expense claims, projects and, on Starter, auto-reconcile cost extra.
Prices are in CAD and exclude tax, so GST/HST is added. Some older subscriptions are still billed in USD.
No. Xero points Canadian customers to Wagepoint, billed separately from C$20 a month plus C$4 per person.
Yes. From 1 April 2026, Standard rose from C$55 to C$60 and Premium from C$75 to C$80 a month. Starter stayed at C$25.
No. Xero bills monthly only, with one month's notice to cancel and no annual discount.
Yes. DC8032614GL gives 80% off for 3 months on a first organisation. A Xero partner's link gives 90% off for 6 months.
Both are add-ons on every plan. Expenses cost C$5 per active user a month; projects C$10 for the first user and C$7 for each after.
Yes. Registered not-for-profits get 25% off a business plan once Xero confirms their status.
Xero pricing sources and methodology
From Xero's Canadian pricing pages on 12 October 2026. Where sources disagree, Xero's own page wins.
Estimates from list prices, excluding GST/HST, 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.
Checked monthly. The date at the top is the last check.
- Xero CA pricing plans 12 Oct 2026
- Xero Starter plan (CA) 12 Oct 2026
- Xero Premium plan (CA) 12 Oct 2026
- Xero CA partner pricing update, April 2026 12 Oct 2026
- Xero CA partner pricing update, April 2025 (archived) 12 Oct 2026
- Xero CA price update offer page 12 Oct 2026
- Xero Stripe fees 12 Oct 2026
- Xero CA payroll 12 Oct 2026
- Xero CA expenses 12 Oct 2026
- Xero CA projects 12 Oct 2026
- Xero CA terms of use 12 Oct 2026
- Xero CA non-profit 12 Oct 2026
- Xero CA referral partner offer 12 Oct 2026
- Xero CA referral partner terms 12 Oct 2026
- Xero CA partner program 12 Oct 2026
- Xero Ledger and Cashbook (CA) 12 Oct 2026
- Xero CA refer a friend 12 Oct 2026
- RBC Royal Bank: accounting software offer 12 Oct 2026
- TD Innovation Partners marketplace: Xero 12 Oct 2026
- CIBC SmartBanking for Business 12 Oct 2026
- FreshBooks Canada pricing 12 Oct 2026
- QuickBooks Canada pricing 12 Oct 2026
- Zoho Books Canada pricing 12 Oct 2026
- Wayback Machine snapshots of xero.com/ca/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.