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Xero

Cloud accounting with a huge app ecosystem

Free trialAccounting & FinanceSince 2006
from $25/moVisit xero.com

What Xero is

Double-entry accounting, bank reconciliation and reporting with unlimited users on every plan and a large integrations marketplace.

What Xero has cost

We have read this pricing page 10 times since Mar 2021, including archived copies of it. Each figure below was pulled from the page itself, not from a summary of it.

  1. $20/moMar 2021 · Starter · 1 reading · archived page
  2. $20†Jul 2021 · Starter · 1 reading · archived page
  3. $22†Aug 2022 · Starter · 1 reading · archived page
  4. $25†Mar 2023 · Starter · 1 reading · archived page
  5. $29†Jun 2024 – Jul 2025 · Starter · 2 readings · archived page
  6. The entry plan changed name here, from Starter to Early. That is a different plan, so the two prices are not a rise or a cut.

    $25†Aug 2026 · Early · 1 reading · source
  7. The entry plan changed name here, from Early to Lite. That is a different plan, so the two prices are not a rise or a cut.

    $7†Aug 2026 – Aug 2026 · Lite · 2 readings · source
  8. The entry plan changed name here, from Lite to Early. That is a different plan, so the two prices are not a rise or a cut.

    $25†Sept 2026 · Early · 1 reading · source

† The page showed this figure beside a monthly/annual switch and did not say which one it belonged to, so we publish the number without claiming a billing period. Readings like this are shown but never compared, which is why they never produce a price change.

Gaps are ours, not the vendor's: where a capture was unreadable, or the price could not be tied to a plan at all, no reading was recorded rather than a guess. See every price change we can stand behind.

People use it to

Current offers

Free trial

Free trial available

Trial length and card requirement are set by the vendor.

Xero alternatives

Other tools in accounting & finance that cover similar ground. Full comparison.

Stripe

stripe.com

Payments infrastructure for the internet

Custom pricingPaid

QuickBooks

quickbooks.intuit.com

Small business accounting standard

from $19/moFree trial

Paddle

paddle.com

Merchant of record for software sellers

Custom pricingPaid

Where Xero sits on price

Entry prices across Accounting & Finance, cheapest first.

What Accounting & Finance costsEntry price a month, cheapest first

6 of these 7 prices were read from the vendor's own pricing page; the rest are marked * and are indicative. The median is taken across the 6 verified prices in Accounting & Finance. 3 more tools in this category do not publish an entry price and are not plotted.

Xero pricing questions

How much does Xero cost?
Xero starts at $25 a month on its Early plan. That figure was read from xero.com's own pricing page on 6 September 2026.
Does Xero have a free plan?
No ongoing free plan. Xero offers a free trial, after which a paid plan is required.
What is Xero used for?
Double-entry accounting, bank reconciliation and reporting with unlimited users on every plan and a large integrations marketplace. People mainly use it to do bookkeeping, send invoices, reconcile bank accounts.
What are the best alternatives to Xero?
The closest alternatives in the same category are Stripe, QuickBooks, Paddle, Ramp. QuickBooks starts lower at $19 a month; Ramp starts lower at $15 a month. Ramp publishes a free plan.