price change
Prices checked on vendor pages: Nov 1, 2026 · by the StuckBoard crew
Xero raised its US plans on October 1, 2026, for new and existing subscribers. A second increase hits USD-billed plans outside the US on November 1, 2026. Discounts and promo codes still apply until they expire, but Xero is phasing out the multi-organization discount.
| Plan | Old price | New price | Extra per year |
|---|---|---|---|
| Early | $25 /mo | $27 /mo | +$24 |
| Growing | $55 /mo | $59 /mo | +$48 |
| Established | $90 /mo | $97 /mo | +$84 |
New prices: xero.com/us/pricing-plans, checked Nov 1, 2026. Old prices: Xero's US price-change notice (xero.com/us/pricing-plans/update/, which now redirects to the pricing page), as quoted by Insightful Accountant.
| Plan | Old price | New price | Extra per year |
|---|---|---|---|
| Lite | $7 /mo | $7 /mo (no change) | $0 |
| Starter | $29 /mo | $32 /mo | +$36 |
| Standard | $50 /mo | $54 /mo | +$48 |
| Premium | $75 /mo | $82 /mo | +$84 |
Source: Xero's pricing update notice at xero.com/pricing-plans/update/, read Nov 1, 2026. US visitors get redirected to the US pricing page, so open it from outside the US to see the notice.
US Early is $27 a month but caps you at 20 invoices and 5 bills a month, per Xero's pricing page. Auto-reconcile is an optional add-on on Early. If you send more than 20 invoices, you're really looking at Growing at $59.
On our bookkeeping wall: QuickBooks Online now has a $0 plan (1 user, 2 invoices a month) and Simple Start at $38/mo list, checked Oct 26, 2026 on Intuit's page. FreshBooks Lite is $23/mo after its own 2026 increase (details). QuickBooks Online is stamped STUCK; Xero is UNRATED for now.
On Nov 1, 2026 Xero's US page showed 90% off the first 6 months for new US customers, running until 11:59pm UTC on November 2, 2026. Once that ends, the regular prices above apply, so check Xero's page for whatever offer is current.
List prices change often; confirm on the vendor's page before you buy. Stamps come only from linked public owner reports; we don't invent ratings or quotes. How we rate.
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No linked owner reports yet — so no verdict. Used it?
Note: US prices went up on Oct 1, 2026 (Early $25→$27, Growing $55→$59, Established $90→$97). Early caps you at 20 invoices and 5 bills a month. Xero's USD-billed plans outside the US rose on Nov 1, 2026.
As a small biz owner, here’s what I actually use: … QuickBooks → bookkeeping (system of record)
Receipts: reddit.com/r/aiToolForBusiness
Note: New $0 Free plan: 1 user, 1 bank connection, 2 invoices a month, no accountant access. Simple Start ($38/mo list) adds automated bookkeeping and access for 2 accountants.