Early
USD25
per organization per month
Billed monthly: USD25
Best for: Sole traders and very small businesses
- Quotes and 20 invoices
- 5 bills
- manual bank reconciliation
- 30-day cash flow forecast
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Xero pricing in the US: Early, Growing and Established, plus payroll
Every Xero US plan in plain numbers, what payroll adds, and how to pick the plan that matches the way you actually invoice.
The short answer
Xero US costs USD 25, USD 55 or USD 90 a month for Early, Growing and Established, billed monthly. Payroll adds USD 36 plus USD 6 per person. A business with 10 employees on Growing plus Payroll pays USD 1,812 a year at list price. Xero ran a 90 percent launch discount that ended on 30 September 2026.
- Cheapest paid planEarly, at USD 25 a month, capped at 20 invoices and 5 bills.
- What most businesses needGrowing at USD 55, for unlimited invoices, bills and automatic bank reconciliation.
- Biggest hidden costPayroll at USD 6 per person, which grows with every hire.
- Best way to saveChoose Growing unless you really need multi-currency or projects.
Written by Procurement VMS Editorial Team · Reviewed by Michael, Procurement Advisor Expert · Price data dated · 9 minute read
Xero plans and prices
Xero's US pricing looks simple: three plans, billed monthly. The catch sits around the edges. Payroll is priced per employee, and features like multi-currency are locked to the top plan.
This guide covers each US plan from the Xero pricing page, then shows the yearly cost for a small business with staff.
Prices below were recorded on 21 September 2026. The headline figure is the lowest price you can get for that plan. Check the official page before you buy, because vendors change prices without notice.
Growing
USD55
per organization per month
Billed monthly: USD55
Best for: Small businesses with steady invoicing
- Unlimited invoices and bills
- auto bank reconciliation
- automated bill entry
- 60-day forecast
- custom dashboards
Established
USD90
per organization per month
Billed monthly: USD90
Best for: Growing businesses with staff, projects or foreign currency
- Everything in Growing
- multi-currency
- employee expense and mileage claims
- projects
- 180-day forecast
Xero Payroll (add-on)
USD36 + USD 6 per person
per organization per month
Billed monthly: USD36 + USD 6 per person
Best for: US businesses running payroll inside Xero
- Powered by Gusto
- USD 36 a month plus USD 6 per employee or contractor
How billing works
Xero US plans are billed monthly. There is no published annual option, and subscriptions renew each month until you cancel. Early is USD 25, Growing USD 55 and Established USD 90 a month. Payroll is billed at USD 36 a month plus USD 6 per employee or contractor. A promotional discount that ran until 30 September 2026 did not apply to add-ons, usage or payment fees.
The tier trap
Early caps you at 20 invoices and 5 bills a month, so almost any trading business outgrows it fast. Multi-currency, expense claims and projects all sit on Established at USD 90.
Read this first. Xero's offer of 90 percent off the first six months ended on 30 September 2026, after this price data was recorded. Check Xero's page for any offer running today. The US page lists monthly prices only, so there are no annual figures here.
Xero cost calculator
Move the slider to see what each plan costs at your size. The figures use the list prices on this page and leave out tax, add-ons and any discount you negotiate.
What a team of 10 really pays
Ten employees is where payroll starts to matter more than the plan. Here is how the options stack up over a full year.
| Scenario | Cost per year | Against the headline |
|---|---|---|
| Growing at list price, 12 months, no payroll (10 employees) | USD660 | Headline price |
| Growing plus Xero Payroll at USD 36 + USD 6 x 10 employees | USD1,812 | +USD 1,152 |
| Established for multi-currency and expenses, plus payroll (10 employees) | USD2,232 | +USD 420 |
What each Xero plan includes
Compare the plans side by side. Where a cell says Check page, the vendor's pricing page was not specific enough for us to fill it in.
| Feature | Early | Growing | Established |
|---|---|---|---|
| Invoices and quotes | 20 invoices | Unlimited | Unlimited |
| Bills | 5 | Unlimited | Unlimited |
| Bank reconciliation | Manual | Auto with AI | Auto with AI |
| Cash flow forecast | 30 days | 60 days | 180 days |
Features we could not place by plan: Multi-currency, Employee expense and mileage claims, Project time and cost tracking. Check the official page for which plan includes each one.
Which Xero plan should you pick?
Early
Pick it if you send fewer than 20 invoices and enter fewer than 5 bills a month.
Growing
Pick it if you invoice and pay bills regularly and want automatic bank reconciliation.
Established
Pick it if you need multi-currency, employee expense claims or project costing.
Xero Payroll
Pick it if you want payroll inside Xero. Compare it with running Gusto directly.
Our view
Xero is good value for US small businesses that want clean cloud accounting with unlimited invoicing on Growing. The real decision is Growing against Established. Pay the extra USD 35 a month only if you need multi-currency, expenses or projects.
You may be overpaying if
You are on Established but invoice in one currency and never use projects or expense claims, or an introductory discount ended and nobody reviewed the plan.
How to pay less for Xero
Right-size the plan
Drop from Established to Growing if nobody uses multi-currency, projects or expense claims. That saves USD 420 a year.
Review payroll headcount
Remove ended employees and contractors. Each one costs USD 6 a month.
Review when a discount ends
If you started on an intro offer, check the plan again before full price starts, when a change costs the most.
Compare other options
QuickBooks Online Simple Start is USD 38 a month and Zoho Books Standard is USD 15 a month billed annually.
Cancel unused add-ons
Inventory Plus and payment add-ons are monthly. Review them every quarter.
Renewal email you can copy
Fill in the brackets and send it about 90 days before the renewal date. It works best next to your renewal tracker.
Subject: Xero renewal on [renewal date] Hi [account manager], Our Xero [plan] subscription renews on [renewal date]. Over the last 90 days, [active employees on payroll] of the [paid employees on payroll] we pay for used it. We would like to renew with [target employees on payroll] on a [term] term. Before we sign, please send: 1. The current list price and the price you are offering us, line by line. 2. The cap on any price increase at the next renewal. 3. The notice period if we want to cut employees on payroll or move to another plan. We are comparing this against [alternative] and plan to decide by [decision date]. If you can offer [target discount] percent off list, or a lower price for a longer term, we are ready to talk this week. Thank you, [name] [company]
Free PDF and Excel
Xero pricing sheet and cost model
A one page summary of every plan, plus an Excel model that adds up your own seat count.
- All plans and prices on one page
- Excel model with your seat count and yearly cost
- Renewal checklist and the email above, ready to edit
- Date of the price data and the source links
Xero alternatives and what they cost
If this vendor does not fit, these are the closest options and what they charge.
| Alternative | Starting price | Pick it when |
|---|---|---|
| Zoho Books | USD15 per organization per month (Standard, billed annually) | You want 3 users and up to 5,000 invoices a year for less Read our Zoho Books pricing guide |
| QuickBooks Online | USD38 per month (Simple Start) | Your accountant works in QuickBooks Read our QuickBooks pricing guide |
| Wave | USD0 (Starter), Pro USD 19 per month | You are a very small business that needs basic invoicing and bookkeeping |
Keeping Xero spend under control
Small-business accounting spend grows quietly. A plan upgrade here, a payroll hire there, and a promotional price that rolled over to full price without anyone noticing. Finance tools reward a regular look at what each line really costs.
- Get the quote in writing, line by line. Finance and HR systems are priced by employee, module and service. Ask for each module as its own line so you can remove one later.
- Read the renewal clause first. Look for the uplift cap, the notice period and the rules on reducing headcount. Our contract management guide lists what to check.
- Compare against alternatives with the same scope. A fair comparison needs the same modules and employee count on both sides. Use a vendor comparison matrix.
- Plan for implementation cost. Setup, data migration and training often cost as much as a year of licences. Add them to the total cost of ownership.
Bottom line. Growing is the right plan for most US small businesses. Established only earns its price with multi-currency, projects or expense claims. Put a review on the calendar for every year.
Xero pricing questions
How much does Xero cost per month in the US?
Xero US costs USD 25 a month for Early, USD 55 for Growing and USD 90 for Established at list price. A launch offer of 90 percent off for six months ended on 30 September 2026, so check the Xero page for what applies today.
Is there a free version of Xero?
No. Xero does not offer a free plan in the US. Wave's Starter plan is a free alternative for basic invoicing.
How much does Xero Payroll cost?
Xero Payroll in the US costs USD 36 a month plus USD 6 per employee or contractor, and it is powered by Gusto. For 10 people that is USD 96 a month, or USD 1,152 a year, on top of your Xero plan.
Can you get a discount on Xero?
Xero has run introductory offers for new customers, including 90 percent off the first six months until 30 September 2026. That offer has ended. Today your savings come from choosing the right plan and removing unused add-ons.
Does Xero offer annual billing in the US?
No annual price is listed. Xero's US page shows monthly prices only and says subscriptions renew monthly until cancelled. The main lever is plan choice: Growing at USD 55 covers unlimited invoices and bills for most small businesses.
What is the cheapest alternative to Xero?
Wave's Starter plan is free, with Pro at USD 19 a month. Zoho Books has a free plan for businesses under USD 50K in revenue and a Standard plan at USD 15 a month billed annually. QuickBooks Online Simple Start lists at USD 38 a month.
How we put this page together
We start from the vendor pricing page and note the date. Where a figure comes from a third party instead, we say so on the page. Procurement VMS is a ratings and comparison site, not a software vendor, and nobody paid for a place in this guide. Spot a number that has changed? Tell us on the contact page and we will check it.
Take the Xero cost model to your renewal meeting
You get a one page PDF and an Excel model with your seat count, the plans above and a renewal checklist.
Choosing software instead of renewing? See the ranked procurement software list.