Xero review (2026): pricing, fees and who it's for
Cloud accounting software with unlimited users and three plans from $27/month.
Good fit if
Small teams that want unlimited users at one price
Pick something else if
You want a free plan, Spanish, or over 20 invoices for $27.
What we like
- No per-user fees: your whole team can log in on any plan.
- Sales tax, 1099 reports and receipt capture included even on Early.
- Tracks inventory for up to 4,000 items on every plan.
- Standard ACH payments to vendors are free on all plans.
Watch out for
- Early plan allows only 20 invoices and 5 bills.
- No published phone line; support is online with callbacks on request.
- English-only app; no Spanish interface found.
Xero pricing
| Plan | Price | Notes |
|---|---|---|
| Early | $27/mo | 80% off first 3 months; 20 invoices, 5 bills |
| Growing | $59/mo | 80% off first 3 months; unlimited invoices, auto-reconcile |
| Established | $97/mo | 80% off first 3 months; projects, mileage claims, multi-currency |
Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.
The details
| Price | $27/mo (Early); $5.40/mo first 3 months |
|---|---|
| Free plan | No free plan |
| Users | Unlimited (no per-user fees) |
| Invoicing | Early: 20 invoices; unlimited on Growing and up |
| Bank connection | Yes, all plans; auto-reconcile on Growing and up |
| Receipt capture | Yes, Smart Document Capture, all plans |
| Mileage tracking | Established only |
| Payroll add-on | $36/mo + $6 per employee/contractor (Gusto) |
| Sales tax | Auto sales tax, all plans |
| Time tracking | Established only (projects) |
| Inventory | Up to 4,000 items; Inventory Plus add-on |
| Accountant access | Yes, invite your advisor at no extra cost |
| 1099 contractors | W-9 collection and 1099 reports, all plans |
| Online payment fees | Stripe: cards 2.9% + 30¢; ACH debit 1% (max $9) |
Before you sign up
You'll need
- Email address and business name
- Debit or credit card to buy a plan
- Online banking login to connect bank feeds
- SSN or EIN and bank account for Stripe payments
Do this first: Open your business bank account first, then connect it so transactions flow in automatically.
What users say in public ratings
Seen on Oct 4, 2026. App store ratings mostly reflect the app; Trustpilot leans toward billing and support stories.
Xero alternatives
- 9.4/10QuickBooks OnlineBusinesses whose accountant already works in QuickBooks · Free plan Xero vs QuickBooks Online
- 8.8/10Zoho BooksNew low-budget businesses wanting full accounting free · Free plan Xero vs Zoho Books
- 7.9/10FreshBooksSolo service providers who bill clients by invoice · From $23/mo Xero vs FreshBooks
- 7.4/10WaveSolo owners who want free invoicing and bookkeeping · Free plan Xero vs Wave
Questions
How much does Xero cost?
Early: $27/mo; Growing: $59/mo; Established: $97/mo. Free trial: 1 month.
Does Xero have a free plan?
No free plan, but there's a free trial of 1 month.
Does Xero offer help in Spanish?
Not that we could find: the app and support are in English.
What do I need to sign up for Xero?
Email address and business name; Debit or credit card to buy a plan; Online banking login to connect bank feeds; SSN or EIN and bank account for Stripe payments.
Is Xero good for a new business?
It fits small teams that want unlimited users at one price. Pick something else if you want a free plan, Spanish, or over 20 invoices for $27.
What are the alternatives to Xero?
QuickBooks Online (Businesses whose accountant already works in QuickBooks); Zoho Books (New low-budget businesses wanting full accounting free); FreshBooks (Solo service providers who bill clients by invoice); Wave (Solo owners who want free invoicing and bookkeeping).
Sources
- xero.com/us/pricing-plans/
- xero.com/us/pricing-plans/early/
- xero.com/us/pricing-plans/pricing-and-fees-for-stripe/
- xero.com/us/accounting-software/manage-inventory/
- xero.com/us/support/contact-support/
- apps.apple.com/us/app/xero-accounting-for-business/id441880705
- play.google.com/store/apps/details?id=com.xero.touch
- trustpilot.com/review/www.xero.com
Checked Oct 4, 2026. Something out of date? Tell us. Our score is calculated from public facts; partners can't pay for a better one.