Xero is cheaper for teams (unlimited users) but more expensive if you need payroll or projects out-of-the-box.
If you are on an older legacy pricing plan, do not change your subscription unless absolutely necessary. Switching plans often forces you onto the newer, higher price structure. If you need to upgrade, contact Xero support to see if you can retain any legacy benefits. xero prices
| Business Type | Recommended Plan | Rationale | |---------------|------------------|------------| | Freelancer / Micro (0–5 invoices/mo) | Early (US) or Ignite (UK/AU) | Low volume, receipt capture, basic reconciliation. | | Small agency (5–20 invoices/mo, 2–5 users) | Growing (US) or Standard (UK/AU) | Unlimited users, expense claims, bulk reconciliation. | | Service business with projects (e.g., consulting) | Established (US) or Premium (UK/AU) | Project tracking, time-based profitability. | | E-commerce or inventory-heavy | Xero + third-party app | Xero alone lacks advanced inventory (bins, BOM, manufacturing). | Xero is cheaper for teams (unlimited users) but