Xero offers cloud accounting for small businesses with plans from 25 dollars a month. Compare Early, Growing, and Established plans, features, and alternatives.
Researched and fact-checked by Bartu Cavusoglu · Updated July 19, 2026
Xero is a cloud-based accounting platform founded in 2006 in Wellington, New Zealand, where it remains headquartered, and has grown into a publicly traded company with roughly 6,200 employees worldwide.
The platform is built for small and mid-sized businesses, giving business owners, bookkeepers, and accountants a shared, real-time view of the books rather than working from periodically exchanged file backups.
Xero's growth has been driven in large part by its extensive third-party app marketplace, which connects the core accounting product to payroll, payments, inventory, and industry-specific tools.
Automated bank feeds pull transactions directly from connected bank accounts for streamlined reconciliation, reducing manual data entry.
Online invoicing lets businesses send invoices, track payment status, and accept online payments, paired with bill management and expense tracking on higher tiers.
The app marketplace connects Xero to more than 700 third-party business applications, extending functionality into payroll, CRM, inventory, and industry-specific workflows.
Xero's US pricing has three tiers: Early at 25 dollars per month, Growing at 55 dollars per month, and Established at 90 dollars per month, all including unlimited users.
Early caps usage at 20 invoices and 5 bills per month, making it suited to freelancers and very early-stage businesses, while Growing removes those caps entirely.
Established adds multi-currency accounting, project tracking, expense claims, and extended cash flow forecasting, and is required once a business needs any of those capabilities.
Xero's US plans start at 25 dollars per month for Early, 55 dollars per month for Growing, and 90 dollars per month for Established.
No, all Xero plans include unlimited users at no additional per-seat cost.
Early caps monthly invoices and bills, Growing removes those caps for unlimited invoicing, and Established adds multi-currency accounting, project tracking, and expense claims.
Xero was founded in 2006 in Wellington, New Zealand, where it remains headquartered.
Yes, Xero connects to more than 700 third-party applications covering payroll, payments, inventory, and other business functions.
Yes, Xero went public on the New Zealand Exchange in 2007 and later moved its primary listing to the Australian Securities Exchange in 2012.
Multi-currency accounting is available on Xero's Established plan.
Yes, Xero offers mobile apps for iOS and Android in addition to its web application.