Software price guides Accounting Xero
Last updated
Xero pricing in Singapore
Xero has three plans in Singapore, Starter, Standard and Premium, each a flat monthly fee in SGD with GST included. Expenses and Projects cost extra per user, and prices rise on 1 November 2026.
- Starting price
- S$39/month
- Starter, SGD incl. GST
- Pricing model
- Flat monthly plans
- Plus per-user add-ons
- Billing
- Monthly only
- No annual option
- Tax
- GST included
- Prices in SGD
- YOY change
- ↑ 5%
- Average yearly rise, 3 plans
- Last updated
- 12 Oct 2026
How much does Xero cost in Singapore?
Plans
Three plans, billed monthly, GST included. New prices from 1 November 2026.
| Plan | Monthly | Who it is for | Key limits |
|---|---|---|---|
| Starter | S$39 | Good for sole traders, new businesses, and the self-employed. | Key limits
|
| Standard | S$70 | Good for growing small businesses. | Key limits
|
| Premium | S$95 | Good for established businesses of all sizes. | Key limits
|
Additional costs
Costs on top of the plan price.
| Cost | Price | Source |
|---|---|---|
| Expense claimers | S$6 per user who claims in the monthPer active user, monthly | |
| Project users | S$10 for the first, then S$8 eachPer active user, monthly | |
| JAX auto-reconcile on Starter | S$8 a monthOptional, monthly; included on Standard and Premium | |
| Starter invoice and bill limits | 20 invoices and 5 bills a month, then Standard at S$70Hard cap | |
| Multiple currencies | S$25 a month more than StandardPremium only | |
| Card and PayNow payments on invoices (Stripe) | 3.4% + S$0.50 domestic cards; plus 0.5% international and 2% for currency conversion; PayNow 1.3%Per transaction, charged by Stripe | |
| Payroll | Set by the payroll appNot offered by Xero; partner apps such as Talenox bill separately | |
| Chargeable direct bank feeds | Not publicly listedMonthly in arrears where a bank charges | |
| Each additional organisation | Full plan price; multi-organisation discount ends 1 November 2026Separate subscription | |
| Price rise on 1 November 2026 | S$3 to S$7 a month more, by planNew and existing subscribers | |
| Downgrading | No feeLocked for 1 month after an upgrade | |
| InvoiceNow e-invoicing and GST submission | No extra chargeIncluded in all plans |
Xero cost calculator
Enter your numbers to price every plan. Estimates in SGD, including GST.
Your numbers
Estimated cost, Standard
S$82a month
- Per year, billed monthly
- S$984
- First 3 months, 80% off
- S$26 a month
- First year with the offer
- S$816
Line items, monthly
- Standard subscription
- S$70
- 2 extra expense claimers at S$6 each
- S$12
- Estimated monthly total
- S$82
Estimated, SGD, 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 | Starter to Standard | S$39 to S$88 | S$39 | to | S$88 | S$468 to S$1,056 | S$468 | to | S$1,056 | |||
| 11 to 50 | Standard | S$82 to S$160 | S$82 | to | S$160 | S$984 to S$1,920 | S$984 | to | S$1,920 | |||
| 51 to 200 | Standard | S$160 to S$342 | S$160 | to | S$342 | S$1,920 to S$4,104 | S$1,920 | to | S$4,104 | |||
| 201 to 500 | Standard | S$342 to S$752 | S$342 | to | S$752 | S$4,104 to S$9,024 | S$4,104 | to | S$9,024 | |||
Xero discount codes and offers
Current Xero offers in Singapore, 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; cannot be combined
-
Free trial
30 days, all features
New sign-ups; one month free is also offered instead of the 80% offer
-
UOB BizSmart
6 months free, plus a 30-day trial
Via UOB's referral link
First-time Xero users banking with UOB, until 31 March 2027
-
Aspire customers
90% off for the first 6 months
Via the Aspire rewards dashboard
New Xero subscribers who bank with Aspire; Aspire's help centre says 100% off, paid by Aspire Visa card
-
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 subscription discounts; size not published
Clients of Bronze partners and above
-
EDGE Grant (replaced the PSG)
Up to 50% of qualifying costs on pre-approved digital solutions, within a S$30,000 digital sub-cap
Code Apply on the Business Grants Portal before buying
IMDA pre-approved vendor packages; reimbursed after payment; up to 12 months of software; PSG closed to new applications 29 September 2026
-
Refer a friend
30% commission to the referrer, not a discount to the new subscriber
Via a referrer's link
Run by PartnerStack, on the net subscription price
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 UOB or Aspire | UOB gives 6 months free and Aspire 90% off for 6 months, against 80% off for 3 months with Xero's own code. On Standard, S$420 free from UOB against S$168 off with the code. | Up to the full base price for 6 months |
| [02] | Sign up before 1 November 2026 | Starting before 1 November means the old price for the first weeks, and Xero's terms say current discounts still apply after the rise. Use the rise as a prompt to review the plan. | S$3 to S$7 a month on the list price |
| [03] | Buy through an EDGE-supported vendor package | If you also need setup or migration, a pre-approved package under EDGE can halve the first year's qualifying cost. Apply before signing or paying. | Up to 50% of qualifying costs, first year only |
| [04] | Right-size the plan | Standard is S$25 a month cheaper than Premium, which mainly adds multiple currencies, a 180 day forecast and benchmarking. Drop a tier if you no longer bill in foreign currencies. | S$25 to S$31 a month |
| [05] | Prune Expenses and Projects users | Both charge per active user each month. Only people who claim count for Expenses; remove Projects access for people no longer logging time. | S$6 per claimer, S$8 per project user, a month |
| [06] | Consolidate organisations | Each organisation is a separate subscription, and the multi-organisation discount ends on 1 November 2026. Merge entities that do not need separate books. | A full plan price per organisation removed |
| [07] | Steer customers to cheaper payment methods | Stripe charges 3.4% + S$0.50 on domestic cards and 1.3% on PayNow. Bank transfer is free in Xero. | About 2% of every invoice paid by card instead of PayNow |
| [08] | Buy through your accountant | Bronze partners and above get client subscription discounts. Ask whether yours can bill Xero for you, and at what price. | Not published |
Xero price history
Monthly list prices over the last two years, including GST. Pick a plan, or hover for each change.
Key points
- Starter, the entry plan: 0% in two years, S$39 to S$39.
- Premium moved most: +19%, S$80 to S$95.
- Average across 3 plans: +13% since Oct 2024.
- Last change: 1 Nov 2025.
What people say about Xero pricing
What people in Singapore said in public about Xero's pricing in the last six months.
67%
Mostly neutral
- Positive 1 of 6
- Neutral 4 of 6
- Negative 1 of 6
Of 6 public comments from Singaporeans in the last six months, 4 are neutral, 1 negative and 1 positive. Most set out what each plan includes; the one complaint is that Premium has nearly doubled in price since 2018.
Xero alternatives
Other tools in our price guides for Singapore, largest first by market share.
| Vendor | Starting price | Pricing model | Key difference | |
|---|---|---|---|---|
| QuickBooks | S$31 a month (Simple Start) | Flat tiers, capped by number of users | Each tier caps users; InvoiceNow via a third-party connector | Price guides |
| Zoho Books | Free plan; paid from S$18 a month (Standard) | Free plan, flat plans per organisation, plus extra users | Free plan; cheaper billed yearly | Price guides |
| FreshBooks | S$29 a month (Lite) | Flat tiers capped by billable clients, plus per team member add-ons | Billed in USD; tiers capped by billable clients, team members extra | Price guides |
| FreeAgent | S$28 a month (Universal) | One flat monthly plan, plus an optional receipt scanning add-on | One USD plan, not localised; unlimited users, no GST filing or payroll | Price guides |
| Microsoft Business Central | S$102 a user a month (Essentials) | Per full user, per month, plus cheaper Team Members | Per user a month, billed in USD, with S$10 Team Members; partners quote implementation | Price guides |
Xero pricing questions
Xero pricing sources and methodology
- Xero SG pricing plans 12 Oct 2026
- Xero SG Starter plan 12 Oct 2026
- Xero SG pricing update (1 November 2026) 12 Oct 2026
- Xero SG e-invoicing (InvoiceNow) 12 Oct 2026
- Xero SG payroll 12 Oct 2026
- Xero SG accept payments 12 Oct 2026
- Xero Stripe fees (no Singapore section) 12 Oct 2026
- Xero SG terms of use 12 Oct 2026
- Xero SG non-profit 12 Oct 2026
- Xero SG partner programme 12 Oct 2026
- Xero SG refer a friend 12 Oct 2026
- Stripe Singapore pricing 12 Oct 2026
- UOB Xero page 12 Oct 2026
- Aspire Xero reward 12 Oct 2026
- Aspire help centre: premium tools and perks 12 Oct 2026
- Enterprise Singapore EDGE Grant 12 Oct 2026
- Wayback: Xero SG pricing update, November 2024 increase 12 Oct 2026
- Wayback: Xero SG pricing update, November 2025 increase 12 Oct 2026
- Wayback Machine snapshots of xero.com/sg/pricing-plans 12 Oct 2026
- QuickBooks Singapore pricing 12 Oct 2026
- Zoho Books Singapore pricing 12 Oct 2026
- FreshBooks 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.