Bookkeeping software / Xero

Xero: selected plans, costs and portability

Compare Early invoice limits with Growing, and Established for verified foreign-currency and project features. All selected prices reflect the October 2026 US update.

US edition · Checked 17 October 2026 · Public documentation, no authenticated account test

What changes the decision

Early has a 20 invoice/5 bill monthly allowance. Payroll and inventory add-ons are separate. A report export is not a full-fidelity backup that another product can restore.

Early

USD 27 / month

20 invoices and 5 bills/month.

Automatic bank feedIncluded

Multi-currency accountingNot included

Project profitabilityNot included

Financial report exportIncluded

Automatic feed requires a supported bank. Multi-currency means accounting for foreign-currency transactions or accounts, not merely displaying a currency symbol. Project profitability means documented project income/cost reporting, not just a time tracker. Report export can be HTML, PDF or spreadsheet; see the specific format below.

Xero US pricing · Xero October 2026 price update · Xero CSV bank statements · Xero export formats

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Growing

USD 59 / month

No per-user licence fee; optional add-ons extra.

Automatic bank feedIncluded

Multi-currency accountingNot included

Project profitabilityNot included

Financial report exportIncluded

Xero US pricing · Xero October 2026 price update · Xero CSV bank statements · Xero export formats

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Established

USD 97 / month

Multi-currency plus project time/cost workflow; optional add-ons extra.

Automatic bank feedIncluded

Multi-currency accountingIncluded

Project profitabilityIncluded

Financial report exportIncluded

Xero US pricing · Xero October 2026 price update · Xero CSV bank statements · Xero export formats

Compare this plan

Test your own workflow before switching

Export chart of accounts, open items and dated reports separately. For bank CSVs select the correct bank account and date convention; matching existing transactions is a separate product step.

Preserve opening balances, open receivables and payables, tax balances, attachments and a dated trial balance. A CSV bank statement contains bank activity; it does not recreate invoices, inventory, account history or reconciliations. Confirm that the chosen account, role and edition support the needed import/export format.

Evidence and update policy

Prices refer to selected monthly list plans. Check the current checkout for taxes, add-ons, country eligibility and changed terms. Unknown features stay unverified; a filter match is not a recommendation that the software meets your tax or reporting obligations. Our sources are listed below so you can verify the exact edition.

Xero US pricing — Early 27 Growing 59 Established 97 USD monthly list prices; no per-user licence fee. Early 20 invoices/5 bills. Established multi-currency and projects.
Xero October 2026 price update — US list prices effective 1 October 2026:27/59/97. Do not reuse old 25/55/90. Sales tax and optional add-ons extra.
Xero CSV bank statements — Date and Amount required; Description recommended optional. YYYY/MM/DD supported; dot-decimal signed amounts. Account role and manual column/date mapping apply.
Xero export formats — General help with role-dependent CSV/XLS and PDF report exports; export separate areas, not one complete restore backup. Country-specific tax reports are not compared.

Check a statement CSV locally · Use the migration checklist · Comparison methodology