Software price guides Accounting Xero
Last updated
Xero pricing in the US
Xero has three US plans, Early, Growing and Established, each a flat monthly fee before sales tax. Payroll through Gusto and some payment methods cost extra.
Country
- Starting price
- US$27/month
- Early, USD excl. sales tax
- Pricing model
- Flat monthly plans
- Plus add-ons and payment fees
- Billing
- Monthly only
- No annual option
- Tax
- Sales tax extra
- All prices in USD
- YOY change
- ↑ 21%
- Average yearly rise, 3 plans
- Last updated
- 12 Oct 2026
How much does Xero cost in the US?
Plans
Three plans, billed monthly, sales tax excluded.
| Plan | Monthly | Who it is for | Key limits |
|---|---|---|---|
| Early | US$27 | An easy financial foundation, track cash flow with the essentials. | Key limits
|
| Growing | US$59 | Go beyond the basics, automate tasks and access performance dashboards. | Key limits
|
| Established | US$97 | Future proof your scaling business, with advanced tools and analytics. | Key limits
|
Additional costs
Costs on top of the plan price.
| Cost | Price | Source |
|---|---|---|
| Xero Payroll, powered by Gusto | US$36 a month + US$6 per person; first 2 months freeMonthly base fee plus per person | |
| Early invoice limit | 20 a month, then Growing at US$59Hard cap; app partner transactions can count | |
| Early bill limit | 5 a month, then Growing at US$59Hard cap on bills entered | |
| Auto-reconcile on Early | US$5 a monthOptional, monthly; included on Growing and Established | |
| Card payments on invoices (Stripe) | 2.9% + US$0.30 domestic; 4.4% + US$0.30 international; plus 1% for currency conversionPer transaction | |
| Bank transfer payments on invoices (Stripe) | 0.5%, capped at US$5; US$15 per wirePer transaction | |
| ACH Debit payments on invoices (Stripe) | 1%, capped at US$9Per transaction | |
| Tap to Pay in person (Stripe) | 2.7% + US$0.15 domestic; 4.2% + US$0.15 internationalPer transaction | |
| Bill payments by check (Melio) | US$1.50 standard; US$20 fast; US$50 overnightPer bill | |
| Faster domestic bill payments (Melio) | Same day ACH or instant 1% (max US$75); wire US$10; same day wire 1% (US$10 to US$75)Per bill | |
| Card funded bill payments (Melio) | 2.9%, plus any delivery feePer bill | |
| Cross border bill payments in USD (Melio) | US$20 or 1% (US$30 to US$95), 1 to 3 day deliveryPer bill | |
| Foreign currency bill payments (Melio) | Conversion rates apply; 2.9% extra by cardExchange rate margin; Established only | |
| Inventory Plus | Not publicly listed; first month freeMonthly add-on, Growing and Established | |
| Chargeable direct bank feeds | Not publicly listedMonthly in arrears | |
| Sales tax on the subscription | Varies by state and localityAdded at checkout by billing address | |
| Each additional organisation | Full plan price; multi-organisation discount phasing out from 1 October 2026Separate subscription | |
| Cancelling | One more month's fee; no refundsOne month's notice | |
| Downgrading | No feeAllowed 1 month after an upgrade |
Xero cost calculator
Enter your numbers to price every plan. Estimates in USD, excluding sales tax.
Your numbers
Plan
Estimated cost, Growing
US$59a month
- Per year, billed monthly
- US$708
- First 3 months, 80% off
- US$12 a month
- First year with the offer
- US$566
Line items, monthly
- Growing subscription
- US$59
- Estimated monthly total
- US$59
Estimated, USD, excluding sales tax. 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 | Early to Established | US$69 to US$193 | US$69 | to | US$193 | US$828 to US$2,316 | US$828 | to | US$2,316 | |||
| 11 to 50 | Established | US$199 to US$433 | US$199 | to | US$433 | US$2,388 to US$5,196 | US$2,388 | to | US$5,196 | |||
| 51 to 200 | Established | US$439 to US$1,333 | US$439 | to | US$1,333 | US$5,268 to US$15,996 | US$5,268 | to | US$15,996 | |||
| 201 to 500 | Established | US$1,339 to US$3,133 | US$1,339 | to | US$3,133 | US$16,068 to US$37,596 | US$16,068 | to | US$37,596 | |||
Xero discount codes and offers
Current Xero offers in the US, checked 12 October 2026.
-
New customer offer
80% off the base plan for 3 months
Code DC80325309US
First organisation on xero.com; excludes add-ons, usage and payment fees; cannot be combined
-
One month free
First month free on any plan
New purchases; alternative to the 80% offer
-
Square customers
100% off the base plan for 6 months
Via Xero's Square page
New customers, first organisation, sign up by 30 September 2027
-
Gusto customers
6 months free
Via Xero's Gusto page
New customers, first organisation, base plan only, sign up by 30 September 2027
-
Channel partner offer (used by Mercury)
100% off for 6 months plus a US$100 Amazon gift card
Via the partner's link
Never trialled Xero; connect a bank within 6 months; stay 7 consecutive months; ends 4 July 2027. Mercury's page shows 3 months free
-
Xero Payroll trial
First 2 months of Xero Payroll free
Gusto powered payroll add-on
-
Nonprofit discount (Xero For Purpose)
25% off standard subscriptions, ongoing
Once Xero confirms nonprofit status
-
Nonprofits via TechSoup
70% off a new subscription for 2 years
Via TechSoup
Any plan; US$10 TechSoup fee; pay Xero directly
-
Through an accountant or bookkeeper
Partner pricing; size not published
Clients billed through a Xero partner practice
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 link | Xero's Square and Gusto pages give 100% off for 6 months, and the channel partner offer adds a US$100 gift card, against 80% off for 3 months with the pricing page code. | Up to 6 months of the base price |
| [02] | Stay under Early's caps or move up deliberately | Early stops at 20 invoices and 5 bills a month; Growing is US$59, US$32 a month more. Batch invoices where you can. | US$32 a month |
| [03] | Right-size between Growing and Established | Established adds multi-currency, projects and expense claims for US$38 a month more. If nobody uses them, Growing covers unlimited invoices and bills. | US$38 a month |
| [04] | 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 |
| [05] | Steer customers to cheaper payment methods | Cards cost 2.9% + US$0.30; Stripe bank transfer 0.5%, capped at US$5; ACH Debit 1%, capped at US$9. On a US$2,000 invoice: US$58 by card, US$5 by bank transfer. | Up to 2.9% of every card-paid invoice |
| [06] | Pay suppliers by standard ACH | Standard ACH is free on every plan; checks cost US$1.50 and faster options up to US$75. | US$1.50 or more per bill |
| [07] | Prune payroll headcount | Payroll is US$6 a month per person paid, on top of the US$36 base. Remove people who have left. | US$6 per person a month |
| [08] | Buy through your accountant | Xero partners can bill client subscriptions. Ask whether yours can, and at what price. | Not published |
| [09] | Use the 1 October price rise as the review date | US prices rose on 1 October in 2025 and 2026, with notice in late July or August. That notice window is the time to compare or ask for a better rate. | Leverage only |
| [10] | Nonprofits: go through TechSoup | TechSoup lists 70% off for 2 years, against Xero's standard 25%. | 45 points more off for 2 years |
Xero price history
Monthly list prices over the last two years, excluding sales tax. Pick a plan, or hover for each change.
Show
Key points
- Early, the entry plan: +80% in two years, US$15 to US$27.
- Average across 3 plans: +36% since Oct 2024.
- Last change: 1 Oct 2026.
What people say about Xero pricing
What Americans said in public about Xero's pricing in the last six months.
55%
Mostly negative
- Positive 3 of 11
- Neutral 2 of 11
- Negative 6 of 11
6 of 11 public comments from US Xero customers and accountants in the last six months are negative, 2 neutral and 3 positive. The negative ones object to two rises inside a year and to paying more without better support; the positive ones rate Xero's price well against QuickBooks.
- Trustpilot.com negative This US Xero customer moved from QuickBooks to save money but says Xero then raised prices twice in a year for a two-person S-Corp with simple needs. Collette Snoonian (opens the original on Trustpilot.com)
- Trustpilot.com negative This US Xero customer of five years says a subscription over US$50 a month bought no support when they needed it. dynamic-controls (opens the original on Trustpilot.com)
- X.com negative This US Xero customer calls it brave of Xero to announce another price rise in the same week the software was hard to use. Vince (opens the original on X.com)
- Reddit.com neutral This US Xero customer explains that American subscribers face both a list price rise and new state sales tax on the subscription, so the monthly cost rises twice. kwajkid92 (opens the original on Reddit.com)
- Trustpilot.com positive This US Xero customer rates Xero above QuickBooks and says its prices are the best available for the value. Joseph (opens the original on Trustpilot.com)
- Trustpilot.com positive This US Xero customer who switched from QuickBooks Online says the price and experience are both great. Ken (opens the original on Trustpilot.com)
Xero alternatives
Other tools in our price guides for the US, largest first by market share.
| Vendor | Starting price | Pricing model | Key difference | |
|---|---|---|---|---|
| QuickBooks | Free plan; paid from US$20 a month (Lite) | Flat monthly plans capped by users, payroll per employee and payment fees extra | Adding staff can force a tier change | Price guides |
| FreshBooks | US$23 a month (Lite) | Tiers capped by billable clients, plus US$11 per team member and add-ons | Team members US$11 each a month; payroll US$40 plus US$6 per person | Price guides |
| Zoho Books | Free plan; paid from US$20 a month (Standard) | Free plan plus flat plans per organisation, extra users and add-ons per month | Extra users US$3 each a month | Price guides |
| Sage | US$73 a month (Sage 50 Desktop Pro) | One-year subscriptions by user band, cloud and Desktop editions priced separately, plus payroll and add-ons | Sage 50 only; Sage Accounting closed in the US | Price guides |
| FreeAgent | US$27 a month (US Businesses) | One flat plan for every US business type, plus optional add-ons | One flat price for every US business type, unlimited users | Price guides |
Xero pricing questions
US$27 to US$97 a month before sales tax: Early US$27, Growing US$59 and Established US$97. Payroll and some payment methods cost extra.
No. Xero adds tax at checkout based on your billing address.
No. Xero Payroll, powered by Gusto, is an optional add-on at US$36 a month plus US$6 per person paid. The first two months are free.
Yes. From 1 October 2026, Early rose from US$25 to US$27, Growing from US$55 to US$59 and Established from US$90 to US$97, for new and existing subscribers.
20 invoices and 5 bills a month, with unlimited quotes and auto-reconcile at US$5 a month extra. Past the caps you need Growing at US$59.
No. Xero bills monthly only, with one month's notice to cancel.
No. New customers can get 80% off for 3 months or one month free; Square and Gusto customers can get 6 months free.
Yes. Verified nonprofits get 25% off. TechSoup lists 70% off a new subscription for 2 years, with a US$10 fee.
Xero pricing sources and methodology
From Xero's US pricing pages on 12 October 2026. Where sources disagree, Xero's own page wins.
Estimates from list prices, excluding sales tax, 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 US authors, marked positive, negative or neutral. Cards show confirmed customers only.
Checked monthly. The date at the top is the last check.
- Xero US pricing plans 12 Oct 2026
- Xero Early plan 12 Oct 2026
- Xero Established plan 12 Oct 2026
- Xero US payroll, powered by Gusto 12 Oct 2026
- Xero US online bill payment fees (Melio) 12 Oct 2026
- Xero Stripe fees 12 Oct 2026
- Xero Inventory Plus 12 Oct 2026
- Xero US terms of use 12 Oct 2026
- Xero US nonprofit page 12 Oct 2026
- Xero For Good (25% nonprofit discount) 12 Oct 2026
- Xero and Square offer 12 Oct 2026
- Xero and Gusto offer 12 Oct 2026
- Xero channel partner gift card terms 12 Oct 2026
- Mercury perks: Xero 12 Oct 2026
- TechSoup: Xero for Nonprofits 12 Oct 2026
- Xero US pricing update, October 2026 (archived 25 August 2026) 12 Oct 2026
- Xero US pricing update, October 2025 (archived 19 August 2025) 12 Oct 2026
- Xero US pricing update, October and December 2024 (archived 7 November 2024) 12 Oct 2026
- Wayback Machine snapshots of xero.com/us/pricing-plans 12 Oct 2026
- FreshBooks pricing 12 Oct 2026
- QuickBooks Online pricing 12 Oct 2026
- Zoho Books US 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.