(-1 star for the recent aggressive price hikes and the restrictive limits on the Starter plan.)

For the with fewer than 20 invoices a month, Xero may be an unnecessary expense. The Starter plan is often too restrictive, and the Standard plan is too expensive for very simple needs.

| Feature | | Standard | Premium | |---------|------------|--------------|--------------| | Monthly price | $15 | $42 | $78 | | Send invoices & quotes | ✅ | ✅ | ✅ | | Track sales tax | ✅ | ✅ | ✅ | | Enter bills | ✅ | ✅ | ✅ | | Bank reconciliation | ✅ | ✅ | ✅ | | Short-term cash flow | ✅ | ✅ | ✅ | | Invoices per month | 20 | Unlimited | Unlimited | | Bills per month | 5 | Unlimited | Unlimited | | Multi-currency | ❌ | ❌ | ✅ | | Claim expenses | ❌ | ✅ | ✅ | | Projects | ❌ | ✅ | ✅ | | Analytics & reports (advanced) | ❌ | ❌ | ✅ | | Expense claims | ❌ | ✅ | ✅ | | Hubdoc (document capture) | ✅ (5 docs/month) | ✅ (unlimited) | ✅ (unlimited) | | Number of users | 1 (plus accountant) | 3 (plus accountant) | Unlimited (plus accountant) |

Prices are (no long-term contract required). You can cancel anytime, though annual prepayment often gives a discount (~10–17% depending on region).

Unlimited invoices and bills, bank reconciliation, and standard financial reporting. $70 – $78 Mature businesses with complex needs

: This plan is ideal for small businesses or startups, offering essential features such as:

Xero’s base price often excludes these :