Xero pricing in 2026
Cloud accounting for small business. Every plan from Xero's pricing page (checked 26 Oct 2026), what a team of 5, 10 or 25 would pay, the price in your currency and cheaper alternatives.
Starts at
$27a month
Early for 10 people: $27 a month
Plans
Xero plans and prices
3 plans with a public price, in US dollars.
Early
Entry paid plan$27/ month
- Quotes and 20 invoices
- 5 bills
- 30-day cash flow forecast
Growing
$59/ month
- 60-day cash flow forecast
- Auto-reconcile transactions
Established
$97/ month
- 180-day cash flow forecast
- Multiple currencies
- KPI analysis
US pricing. Promo: 90% off first 6 months for new US customers (ends Nov 2, 2026).
Prices from Xero's pricing page, checked 26 Oct 2026. Prices are per plan, not per user. Taxes, seat minimums and promotions vary.
Team cost
What Xero costs a team of 5, 10 or 25
Xero is priced per plan, so the cost doesn't grow with the team.
| Plan | 5 people | 10 people | 25 people |
|---|---|---|---|
| Early$27/mo | $27/mo$324/yr a year | $27/mo$324/yr a year | $27/mo$324/yr a year |
| Growing$59/mo | $59/mo$708/yr a year | $59/mo$708/yr a year | $59/mo$708/yr a year |
| Established$97/mo | $97/mo$1,164/yr a year | $97/mo$1,164/yr a year | $97/mo$1,164/yr a year |
Before tax, at list price.
Local prices
Xero in naira, shillings, cedis, rand, pounds and euros
Early, the entry paid plan, converted from US dollars.
| Currency | A month | A year |
|---|---|---|
| NGNNigerian naira (NGN) | ₦36,026 | ₦432,313 |
| KESKenyan shilling (KES) | KSh3,507 | KSh42,079 |
| GHSGhanaian cedi (GHS) | GH₵313.79 | GH₵3,766 |
| ZARSouth African rand (ZAR) | R448.17 | R5,378 |
| GBPBritish pound (GBP) | £20.19 | £242.28 |
| EUREuro (EUR) | €24.09 | €289.05 |
Indicative only: converted at Surba's daily exchange rates from 26 Oct 2026 (₦1,334 = $1). Unless Xero bills you in your own currency, your bank's rate and card fees decide what you're charged.
Alternatives
Cheaper alternatives to Xero
Tools in Surba's catalog that cost a team of 10 less a month on their entry plan than Xero's Early.
Compare
Xero compared
Plans and team costs side by side.
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Xero vs Moneybird
Xero vs Pennylane
Xero vs Puzzle
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FAQ
Xero pricing questions
How much does Xero cost?
Xero's paid plans run from $27 to $97 a month according to Xero's pricing page (checked 26 Oct 2026) (Early $27, Growing $59 and Established $97). Xero is priced per plan rather than per user. US pricing. Promo: 90% off first 6 months for new US customers (ends Nov 2, 2026).
Does Xero have a free plan?
Not in Surba's catalog. The cheapest listed plan is Early at $27 a month.
How much does Xero cost for a team of 10?
Xero is priced per plan, so a team of 10 pays the same as a smaller one: $27 a month ($324 a year) on Early.
How much is Xero in naira?
At an indicative rate of ₦1,334 per $1 (26 Oct 2026), Early at $27 is about ₦36,026 a month. Your bank's exchange rate and card fees decide the final charge.
What are cheaper alternatives to Xero?
In Surba's catalog, Moneybird ($3.48/mo), Clear Books ($6.75/mo) and Pennylane ($8.12/mo) cost less for a team of 10 on their entry plans. Compare features before you switch: the cheapest plan isn't always the closest match.
Finance
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