Software price guides Accounting Xero
Last updated
Xero pricing in New Zealand
Xero has four business plans in New Zealand, from Ignite to Ultimate. Each is a flat monthly fee, excluding GST, with payroll and extra users charged per person.
Country
- Starting price
- NZ$37/month
- Ignite, NZD excl. GST
- Pricing model
- Flat monthly plans
- Plus per-person usage charges
- Billing
- Monthly only
- No annual option
- Tax
- GST excluded
- Prices in NZD; add 15% GST
- YOY change
- ↑ 7%
- Average yearly rise, 4 plans
- Last updated
- 12 Oct 2026
How much does Xero cost in New Zealand?
Plans
Four plans, billed monthly, GST excluded.
| Plan | Monthly | Who it is for | Key limits |
|---|---|---|---|
| Ignite | NZ$37 | Accounting basics for businesses starting out. | Key limits
|
| Grow | NZ$89 | Accounting tools for the self-employed and growing businesses. | Key limits
|
| Comprehensive | NZ$117 | Streamlined accounting and payroll for businesses with employees. | Key limits
|
| Ultimate | NZ$135 | Accounting, payroll and forecasting tools to help businesses scale for future growth. | Key limits
|
Additional costs
Costs on top of the plan price.
| Cost | Price | Source |
|---|---|---|
| Payroll on Ignite | NZ$4 eachPer person, monthly | |
| Payroll past the plan's headcount | NZ$4 on Grow and Comprehensive; NZ$2 on Ultimate past 10, up to 200Per extra person, monthly | |
| Expense claimers past the allowance | NZ$5 eachPer user, monthly | |
| Project users past 10 | NZ$7 eachPer user, monthly, Ultimate only | |
| JAX auto-reconcile on Ignite | NZ$8 a monthOptional, monthly; included on other plans | |
| Card payments on invoices (Stripe) | 2.65% + NZ$0.30 domestic; 3.5% + NZ$0.30 international; plus 2% for currency conversionPer transaction, excl. GST | |
| Klarna payments on invoices | 4.99% + NZ$0.65; NZ$25 per lost disputePer transaction, excl. GST | |
| In-person Tap to Pay (Stripe) | 2.6% + NZ$0.20 domestic; 2.7% + NZ$0.20 internationalPer transaction, excl. GST | |
| Direct debit through GoCardless | Not publicly listedPer transaction, charged by GoCardless | |
| Ignite invoice limit | 20 a month, then Grow at NZ$89Hard cap; app-created invoices count | |
| Ignite bill limit | 5 a month, then Grow at NZ$89Hard cap on bills entered | |
| Multiple currencies | Comprehensive at NZ$117, NZ$28 a month more than GrowComprehensive and Ultimate only | |
| Chargeable direct bank feeds | Not publicly listedMonthly in arrears | |
| Each additional organisation | Full plan price; multi-organisation discount phasing out from 1 October 2026Separate subscription | |
| Downgrading | No feeLocked for 1 month after an upgrade |
Xero cost calculator
Enter your numbers to price every plan. Estimates in NZD, excluding GST.
Your numbers
Plan
Estimated cost, Grow
NZ$110a month
- Per year, billed monthly
- NZ$1,320
- First 3 months, 80% off
- NZ$39 a month
- First year with the offer
- NZ$1,106
Line items, monthly
- Grow subscription
- NZ$89
- 4 extra people paid at NZ$4 each
- NZ$16
- 1 extra expense claimer at NZ$5 each
- NZ$5
- Estimated monthly total
- NZ$110
Estimated, NZD, excluding 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 Grow | NZ$41 to NZ$135 | NZ$41 | to | NZ$135 | NZ$492 to NZ$1,620 | NZ$492 | to | NZ$1,620 | |||
| 11 to 50 | Grow to Ultimate | NZ$134 to NZ$215 | NZ$134 | to | NZ$215 | NZ$1,608 to NZ$2,580 | NZ$1,608 | to | NZ$2,580 | |||
| 51 to 200 | Ultimate | NZ$217 to NZ$625 | NZ$217 | to | NZ$625 | NZ$2,604 to NZ$7,500 | NZ$2,604 | to | NZ$7,500 | |||
| 201 to 500 | No plan fits | |||||||||||
Xero discount codes and offers
Current Xero offers in New Zealand, checked 12 October 2026.
-
New customer offer
80% off the base plan for 3 months
Code DC8032608AIANZ
First organisation on xero.com; excludes add-ons, usage and payment fees
-
One month free
First month free on any plan
New purchases; alternative to the 80% offer
-
Xero referral partners
90% off the base plan for 6 months
Via a partner's link
Organisations new to Xero, base Business Edition plans only, until 31 March 2027
-
Kiwibank business customers
90% off for the first 6 months
Via Kiwibank's Thrive HQ link
Kiwibank business banking customers
-
Not-for-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; 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 partner or Kiwibank link | 90% off for 6 months, against 80% off for 3 months with Xero's own code. On Grow, about NZ$481 saved against NZ$214. | Up to 90% of the base price for 6 months |
| [02] | Pick the plan for use, not headcount | Grow and Comprehensive both charge NZ$4 per extra person, so for payroll alone Grow is NZ$12 a month cheaper from 5 people up. Comprehensive pays off only for multiple currencies, 5 expense claimers or budgets; Ultimate overtakes it at 10 people paid. | NZ$12 to NZ$28 a month |
| [03] | Consolidate organisations | Each organisation is a separate subscription, and the multi-organisation discount began phasing out on 1 October 2026. Merge entities that do not need separate books. | A full plan price per organisation removed |
| [04] | Steer customers to bank transfer | Cards cost 2.65% + NZ$0.30 excl. GST, and Xero has no pay-by-bank option in New Zealand. Bank transfer carries no Xero fee. | Up to 2.65% of every card-paid invoice |
| [05] | Prune users and payroll each month | Extra expense claimers cost NZ$5, project users NZ$7 and people paid NZ$4 (NZ$2 on Ultimate). Remove people who have left. | NZ$2 to NZ$7 per person a month |
| [06] | Buy through your accountant | Xero partners get discounts on client plans. Ask what they pay and whether they will bill Xero for you. | Not published |
| [07] | Use the price rise as the review date | Prices rose on 1 September 2025 and 1 October 2026, each announced a month or two ahead. With monthly billing, the notice window 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. Pick a plan, or hover for each change.
Show
Key points
- Ignite, the entry plan: +6% in two years, NZ$35 to NZ$37.
- Ultimate moved most: +19%, NZ$113 to NZ$135.
- Average across 4 plans: +17% since Oct 2024.
- Last change: 1 Oct 2026.
What people say about Xero pricing
What New Zealanders said in public about Xero's pricing in the last six months.
76%
Mostly negative
- Positive 1 of 37
- Neutral 8 of 37
- Negative 28 of 37
28 of 37 public comments from New Zealand Xero customers and accountants in the last six months are negative, 8 neutral and 1 positive. Most object to yearly rises above inflation with little new in the plans to show for it.
- Reddit.com negative This New Zealand Xero customer says Xero dressed up another price rise as investment while cutting staff, so subscriptions climb as service falls. Initial-Weather-4389 (opens the original on Reddit.com)
- Reddit.com negative This New Zealand Xero customer with basic self-employed needs says the 11% rise has them weighing alternatives if migration is smooth. chrisf_nz (opens the original on Reddit.com)
- LinkedIn.com negative This New Zealand Xero customer, an Auckland tax agent, lists a rise every year since 2021 and a 43% jump in the standard plan since 2022, and says the timing is hard to justify. Scott Lewis (opens the original on LinkedIn.com)
- X.com negative This New Zealand Xero customer, a foundation user, says the doubled payroll fee takes the monthly bill from NZ$155 to NZ$195 a 26% rise. David Farrar (opens the original on X.com)
- LinkedIn.com negative This New Zealand Xero customer of nearly a decade, with several businesses, says the move from NZ$83 to NZ$89 plus losing the 5% multi-org discount confirms Xero is now overpriced and bloated. (opens the original on LinkedIn.com)
- Trustpilot.com negative This New Zealand Xero customer rates the software highly but is fed up with yearly rises well above inflation and a big price gap between the entry plan and Grow. Morgan (opens the original on Trustpilot.com)
- Reddit.com neutral This New Zealand Xero customer looked at pay-once alternatives but judged migration time and missing features outweighed the savings, so is staying. lakeland_nz (opens the original on Reddit.com)
- LinkedIn.com neutral This New Zealand Xero customer argues the rise is defensible in principle but badly timed alongside the share slide, executive exits and CEO share sales, while still rating the product. Ben Kepes (opens the original on LinkedIn.com)
Xero alternatives
Other tools in our price guides for New Zealand, largest first by market share.
| Vendor | Starting price | Pricing model | Key difference | |
|---|---|---|---|---|
| MYOB | NZ$35 a month (Lite) | Flat monthly plans, plus NZ$3 per employee paid | Payroll NZ$3 per employee a month; Lite billed yearly | Price guides |
| Reckon | NZ$24 a month (Reckon One Accounting Plus) | Flat Reckon One plans, unlimited users, hosted per user; desktop in yearly user packs | No Reckon payroll in New Zealand; desktop licences sold yearly | Price guides |
| QuickBooks | NZ$37 a month (Simple Start) | Flat plans capped by users, billed in US dollars | Global edition billed in USD; each tier caps users | Price guides |
| FreshBooks | NZ$41 a month (Lite) | Flat plans capped by billable clients, plus per team member charges | Billed in USD; tiers capped by billable clients | Price guides |
| Zoho Books | Free plan; paid from NZ$20 a month (Standard) | Free plan under a revenue cap, flat price per organisation, plus per-user add-ons | Free plan under US$50,000 revenue; global edition priced in NZ$ | Price guides |
| FreeAgent | NZ$39 a month (Universal) | One flat plan for every business type, billed in US dollars | One flat US dollar plan with unlimited users; no payroll or local tax filing | Price guides |
Xero pricing questions
NZ$37 to NZ$135 a month, excluding GST: Ignite NZ$37, Grow NZ$89, Comprehensive NZ$117 and Ultimate NZ$135. Extra people paid, expense claimers and project users cost extra.
No. Prices exclude 15% GST. With GST, Ignite is NZ$43 a month, Grow NZ$102, Comprehensive NZ$135 and Ultimate NZ$155.
From 1 October 2026, excluding GST, Ignite rose from NZ$35 to NZ$37, Grow from NZ$83 to NZ$89, Comprehensive from NZ$110 to NZ$117 and Ultimate from NZ$125 to NZ$135. Ultimate's charge per extra person rose from NZ$1 to NZ$2.
Ignite charges NZ$4 per person a month. Grow includes 1 person and Comprehensive 5, then NZ$4 each; Ultimate includes 10, then NZ$2 each, up to 200.
No. Xero bills monthly only, with no annual plan or discount.
Yes. Code DC8032608AIANZ gives 80% off the base plan for 3 months on a first organisation. A referral partner link gives 90% off for 6 months, until 31 March 2027.
Yes. Registered not-for-profits get 25% off once Xero confirms their status, with evidence sent within 31 days of subscribing.
No. Ultimate at NZ$135 a month is the top plan in New Zealand.
Xero pricing sources and methodology
From Xero's New Zealand pricing pages on 12 October 2026. Where sources disagree, Xero's own page wins.
Estimates from list prices, excluding 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 New Zealand authors, marked positive, negative or neutral. Cards show confirmed customers only.
Checked monthly. The date at the top is the last check.
- Xero NZ pricing plans 12 Oct 2026
- Xero Ignite plan (NZ) 12 Oct 2026
- Xero Grow plan (NZ) 12 Oct 2026
- Xero Comprehensive plan (NZ) 12 Oct 2026
- Xero Ultimate plan (NZ) 12 Oct 2026
- Xero Stripe fees 12 Oct 2026
- Xero NZ accept payments 12 Oct 2026
- Xero NZ terms of use 12 Oct 2026
- Xero NZ not-for-profit 12 Oct 2026
- Xero NZ partner programme 12 Oct 2026
- Xero NZ referral partner terms 12 Oct 2026
- Xero blog: payroll flexibility in New Zealand (8 May 2025) 12 Oct 2026
- Xero NZ price update, September 2025 (archived 4 August 2025) 12 Oct 2026
- Xero NZ price update, October 2026 (archived 10 September 2026) 12 Oct 2026
- Wayback Machine snapshots of xero.com/nz/pricing-plans 12 Oct 2026
- Kiwibank Thrive HQ partner offers 12 Oct 2026
- ANZ NZ Xero offer (closed 30 September 2026) 12 Oct 2026
- MYOB NZ pricing 12 Oct 2026
- Reckon NZ accounting basics 12 Oct 2026
- FreshBooks pricing 12 Oct 2026
- QuickBooks Global pricing 12 Oct 2026
- Zoho Books pricing 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.