# Xero Pricing: A Comprehensive Guide | Capterra > Check out the Xero pricing guide to understand the cost of different pricing plans, features, and insights on how to choose the right plan. Source: https://www.capterra.com/p/120109/Xero/pricing --- Xero Pricing Guide 2025 Last updated on June 11, 2025 Written by [Saumya Srivastava](https://www.capterra.com/resources/author/ssrivastava/) Writer Edited by [Kathryn Todd](https://www.capterra.com/resources/author/kathryn-todd/) Editor Pricing for Xero [4.4 (3290)](#reviews) User rating:[ 4.4 ](#reviews) Based on (3,290) reviews ## Overview of Xero pricing [Xero](https://www.capterra.com/p/120109/Xero/) is a highly rated [accounting software](https://www.capterra.com/accounting-software/) that automates tasks such as tracking accounts payable and receivable, billing, and maintaining accurate records. The tool offers a wide range of accounting features to provide a real-time view of your business’s financial health. Xero was also recognized in our [2024 Capterra Shortlist for Accounting Software](https://www.capterra.com/accounting-software/shortlist/). Xero’s pricing is available under three subscription plans: Early, Growing, and Established. Each plan varies in features and advanced functionalities, allowing businesses of all sizes to find an accounting solution that meets their requirements. We analyzed our extensive database of verified user reviews and interactions to help you understand the key differences between these plans and choose the best one based on your team size and accounting needs. Let’s compare these plans in detail: Starter $25.00 Flat Rate,Per Month * * * It Includes - Send Quotes And 20 Invoices - Accept Online Invoice Payments - Enter 5 Bills - Make Online Bill Payments - Reconcile Bank Transactions (Auto-reconcile, Beta) - Capture Bills And Receipts With Hubdoc Standard $55.00 Flat Rate,Per Month * * * It Includes - Send Quotes And Unlimited Invoices - Enter Unlimited Bills - Make Online Bill Payments - Reconcile Bank Transactions (Auto-reconcile, Beta) - Capture Bills And Receipts With Hubdoc - View Real-Time Reports Premium $90.00 Flat Rate,Per Month * * * It Includes - Forecast Cash Flow (180 Day Forecast) The latest information on pricing is available on xero.com ## Cost breakdown Xero offers a flexible pricing structure designed to meet the needs of different types of users, from individual freelancers to large organizations. With multiple pricing tiers and various feature sets, teams can select the plan that best aligns with their goals and budget. ### Starting price The Early plan starts at $15 per month and the Growing plan is priced at $47 per month. For those looking for more advanced features, the Established plan is available at $80 per month. All plans are billed per month.  All Xero plans offer a 30-day free trial, during which you can explore and experience the full range of advanced features and capabilities without any financial commitment. This trial period lets you assess how well the tool meets your accounting management needs, helping you make an informed decision about upgrading. ### Billing options You can choose between the free trial or paid plans. The free-trial option is a smart choice for those looking to explore the product features without a monthly commitment. The paid plans, on the other hand, are a viable option for teams looking to use the platform long-term. Xero only offers users the option to pay monthly. There is no annual subscription option. ### Feature differentiation The Early, Growing, and Established plans offer different levels of feature access, meaning you should consider which features you really need in order to decide which plan is best for you. Each plan offers different levels of functionality: - **Invoices and quotes:** All Xero plans offer this feature, allowing you to customize your online invoices to resonate with your brand voice. This includes adding brand logos, colors, font styles, and custom fields. - **Bills:** All plans allow you to enter your billing information and track payments. However, the Early plan limits the number of bills to five per month, while the Growing and Established plans allow adding unlimited bills to the system for status and payment tracking.  - **Transaction reconciliation:** All plans allow you to automatically capture and record daily transactions into the accounting books to keep everything updated. However, the Early plan only allows individual transaction matching, while the Growing and Established plans allow reconciling bank transactions in bulk.  - **Currency conversion:** The Growing and Established plans allow you to convert transactions into multiple currencies and record them in your accounting system. You can see how changes in exchange rates and foreign currency markers affect your cash flow or profit.  - **Customer support:** All Xero plans offer 24x7 online support via its self-service knowledge base articles and user guides. ## What users say about Xero pricing Our team analyzed 700+ reviews from verified Xero users on our website over the last two years to understand their views about the software’s pricing.  User feedback on Xero's pricing reveals mixed sentiment. Many users appreciate its affordability in terms of the offered features, especially considering the availability of a 30-day trial period. However, some users feel the pricing could be too high, especially for smaller teams or those who want more advanced features. At the same time, others believe that the value and benefits justify the cost. Here are some user review excerpts about Xero pricing[\[1\]](#footnotes): Valerio M.CEOInformation Technology and Services2+ years “Even the most basic tier has a good level of customisation that is helpful for building accurate image of your financial and business performance.” April 14, 2023 Nerizza P.Finance AssistantAccounting1-2 years “Xero recently increased its prices and it is crucial for businesses to carefully evaluate the costs and features associated with different pricing tiers before making a decision.” July 8, 2024 Amanda B.Owner, Marketing ConsultantMarketing and Advertising2+ years “The one thing that is a personal pet peeve of mine is that we're billed extra each month because the company deals in two currencies.” November 21, 2022 Adriana Henriquez M.Sales Director Financial ServicesLess than 6 months “The services they offer are enough to justify the expense, but there definitely needs to adjustments to make the software more cost effective.” January 18, 2023 [Read more Xero reviews here.](https://www.capterra.com/p/120109/Xero/reviews/) ## Detailed breakdown of Xero pricing plans ### Early plan **Priced at:** $15 per month (billed monthly) **Maximum seats:** Unlimited **Ideal for:** Sole traders, new businesses, and freelancers in the accounting industry. The Xero Early plan allows unlimited users to access its features, including invoices and quotes, billing management, bank reconciliation, W-9s, and 1099 reports. **Early plan features**[**\[2\]**](#footnotes)**:** - **20 quotes and invoices:** Create up to 20 custom quotes and invoices to share with clients for the estimated service charge or due payment against the provided services for a certain period (daily, weekly, or monthly). - **5 bill entries:** Add up to five billing entries into the system with details such as the vendor's name, total amount, payment mode, and other details of the products or services.  - **Cash flow tracking:** Visualize your bank balance against the daily transactions, including the cash flow projection for the next week or month.  - **Scenario planning:** Run scenarios and see their impact on your future cash position, then take action based on suggestions to help you run your business with optimal bank balance. - **Automatic reminders:** Set up automated reminders to send customers via email and get paid for due invoices. _Invoice generation in Xero (_[_Source_](https://www.capterra.com/p/120109/Xero/)_)_ ### Growing plan **Priced at:** $47 per month (billed monthly) **Maximum seats:** Unlimited **Ideal for:** Growing teams looking for automation and integration to save time and errors in data entry. The Xero Growing plan builds upon the foundational features of the Early plan, adding enhanced capabilities that facilitate more in-depth accounting management. The plan provides unlimited quotes, invoices, and bill management, along with bulk bank reconciliations, sales tax management, and W-9 and 1099 reports. **Growing plan features**[**\[2\]**](#footnotes)**:** - **Bulk transaction reconciliation:** Sort and group transactions, then reconcile them in bulk. Receive alerts for suggested matches to invoices or bills. You can also apply rules to a group of bank transactions to automate reconciliation. - **Sales tax:** Set up automated tax calculation based on the entered contact information, business location, tax details, and states you operate in. The tool integrates with Avalara tax compliance software, covering all US states and over 13,000 tax jurisdictions. - **W-9 collection:** Identify contacts that require a W-9 form based on their payment type and tax classification. You can directly request W-9 forms from your contacts within Xero. It generates a unique link that you can share with your contact to fill out the form. The tool allows users to track the status of each request to see whether they are pending, received, or expired.  - **Suggested reconciliation:** Send automatic emails or text messages to clients to remind them of due payments.  - **1099 forms:** Create, view, and manage 1099 reports, and set up rules to report payments for 1099-NEC (contractors) and 1099-MISC (income) forms. View transactions that match your rules, and see a summary of contacts and payments in reports. _A sample company account in Xero (_[_Source_](https://www.capterra.com/p/120109/Xero/)_)_ ### Established plan **Priced at:** $80 per month (billed monthly) **Maximum seats:** Unlimited **Ideal for:** Large, cross-functional teams looking for advanced features to manage multiple accounts across the entire company. Besides all the features included in the Early and Growing plans, this high-end plan by Xero provides multiple currency support, project tracking, expense claims, and financial health analytics.  **Established plan features**[**\[2\]**](#footnotes)**:** - **Multiple currencies:** Make and receive payments in over 160 currencies with the multi-currency accounting tools. Exchange rates are updated hourly to view gains and losses in the system. You can also see your total foreign currency exposure at any time. The tool allows users to view reports with balances of all active accounts in local and foreign currency. - **Project tracking:** Manage your project accounting, planning, budgeting, and estimates. The tool monitors your project time and location with its start/stop timer and location-based tracking.  - **Expense claims:** Capture a paper-based receipt using your mobile device’s camera and add the details into the accounting system. The tool will automatically record the key details of the uploaded receipt.  - **Analytics plus:** Track metrics—such as invoices and expenses—on the built-in financial health monitoring dashboard. Identify and compare trends for different timeframes. Xero leverages AI technology to predict cash flow for the coming days or months and can set a budget plan in advance. - **Inventory plus:** Use the inventory add-on to integrate your online store’s inventory and sync stock levels and orders. View products to re-order, create purchase orders, and accept particle receipts of goods in purchase orders.  _Financial health dashboard in Xero (_[_Source_](https://www.capterra.com/p/120109/Xero/)_)_ ## Total cost of ownership When evaluating Xero for your accounting management needs, it’s important to consider the total cost of ownership (TCO), including the upfront costs and any additional one-off or recurring costs. Here’s a breakdown to help you understand all potential expenses: ### Upfront costs Upfront costs are the initial expenses incurred when purchasing or subscribing to the software, such as licensing, installation, setup, and training. Setup fees typically include customization, data migration, configuration, training, and installation charges. Xero does not charge any initial upfront costs to set up your account and users will just need to consider the monthly recurring payments. However, you may have to pay extra charges if you want additional automation and integrations in higher-tier plans. Reviewing each plan’s details is important to understand what is included and what might incur extra costs later down the line. ### Additional costs to consider  Data migration, staff training, hardware and IT, and maintenance and upgrades are some of the most common additional costs across different vendors. So, it’s important to include them in your budget.  Xero offers platform transitions with no data migration fee. You can transfer your existing information and benefit from comprehensive resources to support your team’s learning curve. The tool’s extensive free knowledge base articles, industry guides, online courses, and FAQs provide the necessary tools for navigating the platforms effectively, eliminating the need for costly training sessions. Xero also handles maintenance and software upgrades automatically, ensuring minimal downtime and reducing the need for additional IT resources. #### Services needed to implement or manage the platform Xero provides comprehensive free resources to help you get started. This ensures everyone on the team is comfortable using the platform. While Xero offers a wide range of features and integrations, some teams may require tailored solutions. You can consult with certified Xero support partners for customized guidance to optimize your accounting management operations and find the perfect solution for your needs. #### Internal resources needed for ongoing platform management With Xero’s self-serve knowledge base and help center to diagnose and fix technical issues, you may not require a dedicated team to continue platform maintenance or management. However, depending on the size and complexity of your organization, you may need to dedicate some resources to: - **System administration:** An IT administrator or a dedicated user manages user access to the system’s data and handles new user onboarding, including account permissions and integrations. - **Add-ons:** Some teams may require the Inventory Plus add-on to sync online stores for inventory, sales, and purchases. The add-on is available for $39 per month, which is in addition to the subscription plan cost.  ## How to choose the right Xero pricing plan Here are some considerations you should keep in mind when choosing the best Xero pricing plan for your business: _Key considerations while choosing the right Xero plan_ - **Assess your business needs.** Xero offers industry-specific accounting features, such as inventory management and sales tax management, in addition to the essentials that cater to businesses in all sectors. For example, construction and trade businesses utilize the tool for job costing, billing, and project tracking to streamline operations. Retail businesses utilize inventory management and custom reporting. Marketing and advertising businesses use it for project tracking and expense claims, and information technology businesses may utilize inventory management, billing, and invoicing features. These are some of the top industries utilizing accounting software, as per our conversations with business professionals seeking this type of software.[\[3\]](#footnotes) - **Identify your feature requirements.** If you’re a sole trader or small business with simple financial needs, such as invoicing, expense tracking, and bank reconciliations, the Early plan might be sufficient. However, as your business grows and becomes more complex, you may need integration and automation, which is offered within the Growing plan. For larger enterprises with multiple entities and complex financial structures, the Established plan offers advanced features such as project tracking, multi-currency accounting, and inventory management. Different plans offer varying levels of features, ensuring you get the right tools for your team’s needs. Through our conversations with business professionals seeking accounting software, we have learned that billing and invoicing, financial reporting, and bank reconciliation are the top features sought by teams with one to 50 employees. Teams with over 50 employees also look for general ledger management in addition to the aforementioned features.[\[3\]](#footnotes) - **Consider the available budget.** Xero’s pricing tiers all offer different features, requiring you to evaluate each plan and find the one that fits your requirements while staying within the allocated budget. If you’re just starting out or need a simple accounting tool without advanced features, consider the Early plan. Opt for the Growing or Established plan if you require extensive automation, scenario planning, and financial forecasting for better business health assessment. ## How to maximize the value of your Xero subscription Maximizing the value of your Xero subscription involves a combination of feature utilization, team education, and strategic planning. Here are a few practical ways to get the most out of the platform: _Ways to maximize the value of your Xero subscription_ **Utilize all the key features:** To streamline accounting management, make sure to explore Xero’s core features: - **Automation:** Set up automated bank reconciliation to group and categorize bulk transactions and record them in your accounting books. The tool also suggests grouping options for transactions to save time on manual categorization.  - **Integrations:** Connect Xero with third party analytics, invoicing, CRM, inventory, and payroll platforms, plus many more offered via the Xero App Store, to cater to your specific business requirements. - **Insights:** Assess the financial health of your business with the tracked income and expense metrics on the built-in dashboard. You can also set up scenarios using current cash flow to analyze future financial opportunities and plan a budget. - **Forms and reports:** Collect taxpayer identification (W-9) forms from contractors with details such as legal name, address, and TIN. Complete and share 1099 forms with the IRS for tax filing.  **Leverage customer support and learning resources** - **Explore knowledge base:** Xero offers extensive how-to articles and step-by-step tutorials to troubleshoot common issues or integrate with other business tools.  - **Engage with the user community:** Xero has a community forum to get insights and troubleshooting tips, and share best practices with other users.  - **Take online courses:** The tool provides training resources and certifications that can help your team better understand and utilize the platform effectively. - **Accounting glossary:** In addition to the FAQs, Xero offers a glossary explaining common accounting terms. This can help your team, especially the new members, understand these terms and enhance their knowledge for effective platform utilization. **Tips for getting the most out of your plan** - **Utilize add-ons:** Xero offers inventory management and financial analytics add-ons for an extra monthly cost. These tools can be used if you require advanced financial health monitoring or syncing online store sales and inventory.  - **Customize the financial monitoring dashboard:** The software has a built-in analytics dashboard, which can be customized to display specific financial metrics, such as income and expenses, that align with your current business goals. You can also add shortcuts to frequently used functions for quick access.  - **Stay updated on new features:** Xero constantly updates its platform with new features, so users should stay up-to-date with releases. You can also explore the knowledge base to learn new tips and tricks for using the platform to its full potential. ## Is it worth paying for Xero? Whether Xero is worth investing in depends on your accounting management needs and budget. Here's a breakdown to help you decide: ### Value for money Xero is a top-rated accounting software and on the [2024 Capterra Shortlist for Accounting software](https://www.capterra.com/accounting-software/shortlist/). Based on the analysis of our verified user reviews, Xero has a **value-for-money rating of 4.3 out of 5**, reflecting the platform’s ability to deliver essential features at an accessible price point.  Here are some review excerpts from users of Xero that helped us understand its value proposition relative to cost[\[1\]](#footnotes): Aaron F.DevOps ManagerInformation Technology and ServicesLess than 6 months “Adding your own application to the API comes at a small cost which is understandable to cover cost of support but it would be good if this was optional or a supported/non supported option.” September 5, 2023 Oscar C.Production manager, Video EditorMedia ProductionLess than 6 months “I don’t see many flaws with Xero but it’s pricing is pretty high, but this is the case for most worthwhile accounting software.” September 30, 2024 Wambui K.Water and Sanitation Systems ControllerCivic & Social Organization2+ years “With Xero, it is easy to know the amount of money spent on each and every project as well daily expenditure and this helps us to always spend within our budget.” October 23, 2023 Louise B.FounderMarketing and Advertising1-2 years “It does everything I need and I love that I can use multiple currencies” October 27, 2022 [Read more Xero reviews here.](https://www.capterra.com/p/120109/Xero/reviews/) ### Free trial Xero offers a 30-day free trial version of the software that allows you to experiment with its features and evaluate their suitability for your specific needs. This trial period lets you explore the platform's capabilities without any upfront cost. By taking advantage of the free trial, you can: - Assess if the tool features match your accounting team's needs and business goals - Test the scalability of the tool with the increasing data volume - Explore how the tool integrates with your existing systems and third-party services - Leverage the product demos to visualize your applications Once you've evaluated Xero during the trial period, you can make an informed decision about whether to invest in a paid subscription. ### Customer support options Xero offers a variety of customer support options, but the level of access depends on your subscription plan: - **Free-trial plan:** The free plan offers access to a self-serve knowledge base with FAQs, 24/7 customer support, troubleshooting guides, and community forums. - **Paid Plans:** Paid plans may offer dedicated account managers for larger teams; however, you should Xero’s support team for more information.  Based on the details discussed, you can evaluate your specific needs and choose the plan that best aligns with your objectives to maximize the benefits of this accounting tool.  ## Is Xero right for you? ### Assessing your requirements Before committing to a paid Xero plan, you must assess your specific accounting needs. Consider the following factors: - **Extensive reporting and insights:** All Xero plans offer financial health monitoring via its built-in dashboard. However, the analytics add-on available with the Growing and Established plans allows additional capabilities such as AI forecasting and scenario planning.  - **Mobile access:** Xero offers a mobile application for accessing features such as billing and invoicing, reporting, and form management. This on-the-go user access allows you to manage your tasks anytime and from any device without depending on the in-office system. The mobile application is also beneficial for businesses, such as construction and contractor management, with field employees to attend to customer queries.  - **Industry-specific accounting:** For businesses that require accounting management tools related to a specific industry, such as eCommerce inventory management or budgeting and forecasting, you will need to opt for the Growing or Established plans offered by Xero. While the Early plan is for new accounting professionals and small teams, the Growing and Established plans ensure that the niche business needs are met in addition to the essential accounting capabilities. We recommend further exploring Xero’s pricing plans and features to make the best choice. ### Alternatives to Xero Xero is a highly-rated accounting tool that has garnered an **overall rating of 4.4 stars (out of 5)**. But how does it compare to competitors in the accounting space when it comes to pricing? When considering value for money, Xero has an average rating of 4.3 out of 5. However, some of its competitors fare better in this category. **Wave**, for example, has a value-for-money rating of 4.5, with the paid plan starting at $16 per month (billed monthly). **QuickBooks Enterprise** has a value-for-money rating of 4.4 with prices starting at $1922 per year (billed annually). **FreshBooks** stands at 4.4 with prices ranging between $9.50 to $30 per month (billed monthly). **Sage Intacct** and **Odoo** follow closely, both with a 4.1 rating. Pricing for **Sage Intacct** is available upon request from the vendor and **Odoo’s** pricing ranges between $24.90 - $37.40 per user, per month (billed annually). Each of these alternatives has unique strengths: **Wave’s** income and balance sheet feature has received an average rating of 4.5 from verified reviewers on our website. The tool provides a clear financial overview of your business through its income statement and balance sheet. The income statement shows your revenue, expenses, and net profit, while the balance sheet provides a snapshot of your assets, liabilities, and equity.  **QuickBooks Enterprise's** billing and invoicing feature has received an average rating of 4.7 from our verified reviewers. The tool lets you create professional invoices, track payments, and manage billing cycles efficiently. Advanced features, such as customizable templates, automatic payment reminders, and online payment processing, ensure all payments are cleared on time.  **FreshBooks** has an average rating of 4.7 for its billing and invoicing features. It automatically adds tracked time and expenses to invoices for accurate billing. Users can also set up recurring invoices for regular clients, ensuring timely payments.  **Sage Intacct** has an average rating of 4.4 for its general ledger capabilities. The tool monitors every transaction, from invoices to expenses, in one central location. Users can analyze financial data to identify trends in historical data and make informed decisions for the future.  **Odoo’s** inventory management feature has received an average rating of 4.4 from verified software reviewers. The tool allows you to maintain a spreadsheet of stock levels. Users can automate creating purchase orders when an item hits the minimum stock level or is out of stock.  Check out the top [Xero alternatives](https://www.capterra.com/p/120109/Xero/alternatives/), to compare in terms of core features, pricing, and usability. ### Cost comparison: Xero vs. popular alternatives [4.4 (3290)](https://www.capterra.com/p/120109/Xero/#reviews) * * * Starting Price $25.00 Flat Rate , Per Month * * * [4.3 (684)](https://www.capterra.com/p/76/Intacct/#reviews) * * * Starting Price Contact vendor * * * [4.2 (1304)](https://www.capterra.com/p/135618/Odoo/#reviews) * * * Starting Price $31.10 Per User , Per Month * * * ### Making the final decision Overall, Xero stands out as a user-friendly and cost-effective software with an overall rating of 4.5 out 5 and a functionality rating of 4.4 out of 5 on Capterra. Based on user reviews on our site, the platform scores 4.8 for specific features including receipt management, income statements, and balance sheets. However, with paid plans ranging from $15 to $80 per user, per month, Xero offers a mid-range value-for-money rating of 4.3 out of 5 in comparison to its competitors. To determine if Xero is the right fit for your accounting needs, assessing your specific requirements and comparing them with the features available in different pricing plans is important. The free trial is an ideal way to explore the software features. Additionally, evaluating the integration, scalability, and support options across different plans can help ensure that you choose the most suitable solution for accurate accounting operation. To ensure Xero is the right fit, consider these steps: - **Request a demo:** Experience Xero’s capabilities with a demo and see how well they match your unique requirements. - **Read user reviews:** Explore detailed user feedback for real-world insights and an understanding of potential limitations. - **Compare different competitor plans:** Assess what other popular competitors offer in their pricing plans. This includes comparing the starting price, key features, scalability, customization capabilities, and the ability to integrate with other tools. ## FAQs Is Xero available for free? No, Xero does not offer a free forever plan, but it has a free trial to explore all three plan features for a period of 30 days before making the purchase. What’s the price for multiple subscription plans? Xero has three pricing plans: Early, Growing, and Established. The Early plan is $15 per month (billed annually), the Growing plan is $47 per month (billed monthly), and the Established plan is $80 per month (billed monthly). Does Xero offer discounts? Yes, Xero sometimes offers limited-time discounts on subscriptions. Check the vendor website for up-to-date information on discounts and offers. Does Xero offer an annual subscription? No, Xero only offers a monthly subscription option for all its plans. What security measures are in place to safeguard business data in Xero? Xero prioritizes data security by employing advanced encryption techniques, conducting regular security audits, and using robust data centers. They maintain strong firewall protection and intrusion detection systems to safeguard against unauthorized access. Additionally, the tool adheres to industry standards and regularly updates its software and infrastructure to ensure continuous protection. #### Methodology 1. Review excerpts are passages extracted from longer reviews written by verified reviewers. We obtain these excerpts by applying an algorithm that considers factors including, but not limited to, length, topic coverage, and thematic relevance. Excerpts are evaluated for positive or negative sentiment and receive a sentiment score. Excerpts represent user opinion and do not represent the views of, nor constitute, an endorsement by Capterra or its affiliates. Excerpts are not edited for clarity or grammar. 2. Our research team identified these features from vendor websites (as of Nov., 7, 2024) based on their analysis of what users find valuable or expect from accounting software. This list is not exhaustive. For additional features, refer to the vendor’s website. 3. Findings are based on data from conversations that Capterra's advisor team has daily with software buyers seeking guidance on purchase decisions. The data used to create this report is based on interactions with small and midsize businesses seeking accounting tools. For this report, we analyzed approximately 749 phone interactions from October 2023 to October 2024. [Saumya Srivastava](https://www.capterra.com/resources/author/ssrivastava/) Saumya Srivastava is a writer at Capterra. She provides insights to help small and midsize businesses identify the right software for their needs by analyzing over 550,000 Capterra user reviews and nearly 48,000 interactions between Capterra software advisors and buyers. Prior to Capterra, Saumya wrote content related to educational and advertising domains. [Kathryn Todd](https://www.capterra.com/resources/author/kathryn-todd/) Kathryn Todd is a senior editor at Capterra. She specializes in editing data-driven research reports that cover the latest technology trends. She has almost a decade of experience writing and editing content to help small businesses stay ahead of trends and find the best tech solutions for their needs. Kathryn holds a bachelor's degree in English Language and Linguistics from Sheffield Hallam University in the U.K. When not editing content herself, she enjoys reading content other people have... Related reading Table of Contents - [Overview of Xero pricing](#overview-of-xero-pricing) - [Cost breakdown](#cost-breakdown) - [What users say about Xero pricing](#what-users-say-about-xero-pricing) - [Detailed breakdown of Xero pricing plans](#detailed-breakdown-of-xero-pricing-plans) - [Total cost of ownership](#total-cost-of-ownership) - [How to choose the right Xero pricing plan](#how-to-choose-the-right-xero-pricing-plan) - [How to maximize the value of your Xero subscription](#how-to-maximize-the-value-of-your-xero-subscription) - [Is it worth paying for Xero?](#is-it-worth-paying-for-xero) - [Is Xero right for you?](#is-xero-right-for-you) - [FAQs](#faqs)