How Much Does Xero Cost in 2026?

As of April 2026, Xero restructured its US plans: Early/Growing/Established are now Starter/Standard/Premium, with new prices of $20/$47/$80 per month. That's actually a price drop across the board (was $25/$55/$90), making Xero even more competitive. The math is now even harder to argue with. Standard plan: $47/mo, $564/year, unlimited users. QuickBooks Plus: $115/mo, $1,380/year, capped at 5 users. That's an $816 annual gap. For a business with 3-4 people who need access to the books, Xero wins on pure economics. And then there's the new 90% off promo starting April 1, 2026. The Starter plan drops to just $2/mo for six months. Standard falls to $4.70/mo. This replaces the previous 85% off offer that expired March 31. No one else in this space offers that kind of ramp-up period. It's clearly a land-grab strategy, but if you benefit from it, who cares about Xero's motives? The integration ecosystem (1,000+) is legitimately massive, though it's worth noting that many of those are region-specific (UK, Australia, NZ). For US businesses, QuickBooks still has more relevant connectors. But Xero's API is clean and well-documented, so new integrations appear regularly. Where Xero stumbles: the Starter plan is basically a demo. Twenty invoices and 5 bills per month? That's not a real accounting plan, it's a teaser. You'll be on Standard within a month or two, guaranteed. And payroll isn't built in — you'll need Gusto or another provider, which adds $40+/mo. QuickBooks includes payroll at no extra charge. The sweet spot is Standard at $47/mo if you have multiple team members and deal in multiple currencies. If you're solo and US-only, QuickBooks Simple Start ($38/mo) or even Zoho Standard ($15/mo) might make more sense.