Xero Pricing 2026: Plans, Features & Payroll Explained

Understanding Xero pricing in 2026 is essential if you’re planning to use Xero for your business accounting. Whether you’re a freelancer, small business owner, accountant, or fast-growing eCommerce seller, Xero offers flexible plans designed to scale with your needs.

However, with multiple plans, add-ons, and payroll options, choosing the right Xero service charges plan can feel confusing. This updated 2026 guide breaks down Xero accounting pricing, Xero payroll pricing, and key features—so you can confidently select the best option for your business.

Key Highlights

• Flexible Plans: Xero pricing plans are designed for startups, growing businesses, and established companies
  
• Scalable Payroll: Xero payroll pricing adjusts based on employee count and region
  
• Core Accounting Tools: Invoicing, reporting, reconciliation, and expense tracking
  
• eCommerce Ready: Seamless integration with PlugBooks for Amazon and eBay sellers

What Is Xero Pricing in 2026?

Xero pricing in 2026 is structured around three core plans:

1. Early
   
2. Growing
   
3. Established
   

Each plan is built to support different business stages. As your accounting needs increase—such as payroll, inventory tracking, or multi-currency transactions—you can upgrade without switching platforms.

Let’s break down each Xero pricing plan and see who it’s best for.

Xero Pricing Plans Explained

Xero Early Plan

The Early plan is ideal for freelancers and very small businesses just getting started.

Best for:

• Sole proprietors
  
• Freelancers
  
• Side businesses
  

Key Features:

• Basic invoicing and billing
  
• Bank reconciliation
  
• Limited monthly invoices and bills
  
• Single-user access
  

⚠️ Limitations apply to the number of invoices and bills processed monthly.

Xero Growing Plan

The Growing plan is designed for businesses that are scaling and need fewer restrictions.

Best for:

• Small to medium-sized businesses
  
• Online sellers
  
• Service-based companies
  

Key Features:

• Unlimited invoices and bills
  
• Inventory tracking
  
• Multi-user access
  
• Cash flow tracking and reporting
  

This is the most popular Xero pricing plan in 2026 due to its balance of cost and flexibility.

Xero Established Plan

The Established plan is Xero’s most advanced option.

Best for:

• Larger businesses
  
• Global sellers
  
• Companies with complex accounting needs
  

Key Features:

• Multi-currency accounting
  
• Advanced reporting
  
• Project tracking
  
• Expense claims
  
• Priority support
  

If your business operates internationally or requires advanced financial insights, this plan offers maximum control.

Xero Payroll Pricing in 2026: What to Expect

Xero payroll pricing is not included by default in all regions and is typically offered as an add-on or region-specific feature.

How Payroll Pricing Works

• Costs scale based on number of employees
  
• Payroll integrates directly with Xero accounting
  
• Supports tax calculations, payslips, and compliance reporting
  

Best for:

• Businesses managing in-house employees
  
• Companies seeking automated payroll with accounting sync
  

Adding payroll in 2026 helps reduce manual errors and ensures compliance as regulations evolve.

What’s Included in Xero Accounting Pricing?

Across all plans, Xero accounting pricing includes tools designed to simplify day-to-day bookkeeping:

Core Accounting Features

• Invoicing & Billing: Create, send, and track invoices in real time
  
• Bank Reconciliation: Automatic bank feeds for faster reconciliation
  
• Financial Reports: Profit & loss, balance sheets, and tax summaries
  
• Expense Tracking: Monitor spending and reimbursements
  
• Inventory Management: Available on Growing and Established plans
  

Xero’s modular pricing ensures you only pay for the features you actually need—making it a strong long-term accounting solution.

Choosing the Right Xero Charges Plan in 2026

Before selecting a plan, consider the following:

1. Business Size

• Freelancers → Early Plan
  
• Growing businesses → Growing Plan
  
• Large or international companies → Established Plan
  

2. Payroll Needs

If you employ staff, factor in Xero payroll pricing as part of your monthly accounting cost.

3. Integrations

If you sell on Amazon or eBay, choosing a system that integrates smoothly with Xero—like PlugBooks—is essential.

PlugBooks + Xero: Built for Amazon & eBay Sellers

PlugBooks integrates seamlessly with Xero, making it a powerful solution for eCommerce sellers in 2026.

Why PlugBooks Works Perfectly with Xero

• Automatically syncs Amazon and eBay sales
  
• Simplifies transaction reconciliation
  
• Ensures accurate financial records
  
• Saves time on manual bookkeeping
  

Whether you’re managing inventory, tracking fees, or preparing tax reports, PlugBooks enhances Xero’s capabilities for online sellers.

Conclusion:

Xero pricing in 2026 remains flexible, scalable, and competitive. From the Early plan for beginners to the Established plan for advanced accounting needs, Xero grows with your business.

When combined with PlugBooks, Xero becomes an even more powerful accounting solution—especially for Amazon and eBay sellers looking to automate bookkeeping and maintain accurate financial records.

👉 Visit PlugBooks.io to see how Xero integration can simplify your accounting in 2026 and beyond.