What plans does Xero offer?

In the United States, Xero is sold in three plans: Early at $25 a month, Growing at $55 and Established at $90. Every plan includes bank reconciliation, document capture, financial reports and unlimited users. Growing removes the entry-plan bill and invoice limits, and Established adds multi-currency and project profitability tracking. Plan names and prices differ by country.

Does Xero include payroll?

Payroll is handled through an integration with Gusto, Xero's preferred payroll partner, rather than being built into Xero itself.

Does Xero have an API?

Yes. Xero offers a documented open API through its Developer Center, and integrations are available in the Xero App Store, which lists more than 1000 apps.

Xero

Cloud accounting for small businesses, with bank reconciliation, document capture, invoicing and reporting on every plan.

Starting price: From $25 / month
API: Yes, a documented open API and the Xero App Store with more than 1000 apps
Hosting: Cloud (SaaS)

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Overview

Xero is cloud accounting software for small businesses. Every plan includes bank reconciliation, Hubdoc for pulling bills and receipts into Xero, financial reports, analytics and a real-time dashboard, plus unlimited users at no extra cost. Invoicing and online quotes let you bill customers and prepare estimates from the desktop or the mobile app, with sales tax calculated automatically, and employees can file expense and mileage claims. Payroll is handled through an integration with Gusto, and Xero opens a documented API and the Xero App Store.

Our take

Xero fits a small business that wants the bookkeeping basics cheaply and can live with counting its paperwork, because the entry plan is capped tightly enough that volume rather than missing features is what usually forces the step up, and that step more than doubles the bill. Payroll arriving through a partner rather than from Xero itself is the other thing to weigh, since it means a second contract and a second charge for anyone with employees. What holds the appeal together is the breadth of connections: for a business already running stock, payments or its CRM elsewhere, that tends to settle the decision faster than any feature list. Compare within one country only, as the plans are packaged and priced differently in each market.

Key Facts

Category	Accounting & Invoicing
Starting price	From $25 / month United States plans, per organisation. Growing is $55 and Established $90 a month. Plan names and prices differ by country. Xero is running 90 percent off the first six months for purchases made by 30 September 2026.
API	Yes, a documented open API and the Xero App Store with more than 1000 apps
Hosting	Cloud (SaaS)

Screenshots

Placeholders. They are replaced as soon as the vendor sends material, and both open the same short form.

Features

Invoicing and quotes: Yes, professional online invoices and quotes from the desktop or mobile app, with sales tax calculated automatically
Bookkeeping and bank feeds: Yes, bank reconciliation on every plan, with Hubdoc pulling bills and receipts into Xero
Expenses and receipts: Yes, employee expense and mileage claims, plus receipt and bill capture through Hubdoc
Tax and compliance: Yes, automatic sales tax on invoices with an Avalara integration for detailed tax reporting
Payroll: Available through an integration with Gusto, Xero's preferred payroll partner
Reports and exports: Yes, financial reports, analytics and a real-time dashboard on every plan
Integrations and API: Yes, a documented open API and the Xero App Store with more than 1000 apps

Integrations

Gusto
Avalara
Hubdoc

Deployment and Support

Deployment: Cloud (SaaS)
Browser-based
Support: Email helpdesk
Community forum
Onboarding: Documentation and knowledge base
Guided onboarding
Company size: Freelancers
Small and mid-sized

Pros and Cons

Strengths

Bank reconciliation and Hubdoc document capture on every plan
Unlimited users at no extra cost on all plans
Automatic sales tax with an Avalara integration
Documented API and an App Store with more than 1000 apps

Limitations

Payroll relies on the Gusto integration rather than being native
Multi-currency and project profitability are reserved for the Established plan

Pricing

Early

$25

Per month, United States pricing. Quotes and 20 invoices, 5 bills, bank reconciliation, Smart Document Capture, real-time reports, sales tax, W-9 and 1099 management and a 30-day cash flow forecast.
Growing

$55

Per month, United States pricing. Removes the invoice and bill limits and adds automated bill entry, auto-reconciliation, performance dashboards, financial health scorecards, budgets and a 60-day cash flow forecast.
Established

$90

Per month, United States pricing. Adds multiple currencies, project time, cost and profitability tracking, employee expense and mileage claims, industry benchmarking and a 180-day cash flow forecast.

Alternatives and Comparisons

FAQ

What plans does Xero offer?: In the United States, Xero is sold in three plans: Early at $25 a month, Growing at $55 and Established at $90. Every plan includes bank reconciliation, document capture, financial reports and unlimited users. Growing removes the entry-plan bill and invoice limits, and Established adds multi-currency and project profitability tracking. Plan names and prices differ by country.
Does Xero include payroll?: Payroll is handled through an integration with Gusto, Xero's preferred payroll partner, rather than being built into Xero itself.
Does Xero have an API?: Yes. Xero offers a documented open API through its Developer Center, and integrations are available in the Xero App Store, which lists more than 1000 apps.

What users say

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Last verified: 2026-08-19

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