Xero also charges per organization rather than per user—unlimited users are included in every plan, a significant advantage over competitors that charge per seat.
Payroll is frequently an .
Ideal for new businesses, sole traders, and freelancers. It usually comes with restrictions on the number of invoices, bills, and bank transactions. xero fees work
| Software | Entry Price | Unlimited Users | Multi‑Currency | Payroll Model | |---|---|---|---|---| | Xero | $25/month | Yes (all plans) | Established plan only ($90/mo) | Included in some regions; per‑employee fees in others | | QuickBooks Online | $19–$38/month | No (per‑user fees) | Higher tiers | Integration with Employment Hero (~$8/employee/month) | | FreshBooks | $17–$55/month | No (per‑user fees) | Higher tiers | Limited native payroll |
It is the most expensive core tier, and some highly specialized features still require paid add-ons. Optional Add-ons and Extra Fees Xero also charges per organization rather than per
. In 2026, most markets have moved to a standard set of plans (typically Early/Ignite Growing/Grow Established/Comprehensive ), though specific names and pricing vary by region. Core Subscription Plans (2026 Estimates) Early / Ignite (~$15 - $35/month)
You can cancel or change your plan at any time, usually requiring a 30-day notice period. It usually comes with restrictions on the number
: Unlike some competitors, all Xero plans allow for unlimited users at no extra cost.
This plan usually caps the number of invoices you can send and bills you can enter. If you exceed these limits, you must move to a higher tier. Key Feature: Basic bank reconciliation and data entry. 2. The Standard (Growing) Plan
If your business is highly seasonal and transaction volumes drop drastically during certain months, check if you can temporarily downgrade to a lower tier.