Accounting · Ranked 5 of 8 in Best accounting apps
What is Xero?
Short answer
Xero is a accounting app from Xero, best for unlimited-user cloud accounting. It has a 30-day free trial; paid plans start at $27 / mo.
| Fact | Xero | Accounting median (7 tools) |
|---|---|---|
| Free plan | No, 30-day trial | 4 of 8 have one |
| Entry price | $27 / mo | $23 / mo |
| Top plan | $97 / mo | $30 / mo |
| 1st year | $324 | $276 |
| Paid plans | 3 | 3 |
| Platforms | Web, iOS, Android | — |
What does Xero do?
Xero covers these jobs, as listed on Xero's pricing and feature pages.
- Bank reconciliation
- Cash flow tracking
- Performance dashboards
- Employee expense claims
- Multi-currency on higher plans
How much does Xero cost?
$27 / mo to $97 / mo.
| Plan | Price | Billed monthly | Includes |
|---|---|---|---|
| Early | $27 / mo | $27 / mo | $2.70/mo for first 6 months |
| Growing | $59 / mo | $59 / mo | $5.90/mo for first 6 months |
| Established | $97 / mo | $97 / mo | $9.70/mo for first 6 months |
What are the best Xero alternatives?
Closest on first-year cost: FreeAgent, FreshBooks, Wave.
| Alternative | Free plan | From |
|---|---|---|
| FreeAgent | No | $27 / mo |
| FreshBooks | No | $23 / mo |
| Wave | Yes | $19 / mo |
Is Xero better than Zoho Books?
Xero is best for unlimited-user cloud accounting; Zoho Books for free tier for micro businesses. First year: $324 vs $120.
Sources
| Vendor page | URL | Checked |
|---|---|---|
| Xero pricing | xero.com/us/pricing/ | 27 Oct 2026 |
Prices in USD as published by each vendor, billed yearly where offered. How we compare