: If your business relies on multiple integrated apps (e.g., inventory management, CRM, advanced reporting), your total software stack could become more expensive as developers pass on these new API fees. For businesses concerned about these rising costs, some providers are offering lower‑cost alternatives such as Thriday.
Xero does not include unlimited payroll in any base plan.
Xero offers a tiered pricing structure, with four plans to choose from: Early, Growing, Established, and Ultimate. Each plan is designed to cater to different business needs and sizes. The fees for each plan are as follows:
Note: Prices vary by region. The examples below are illustrative of the typical structure.
Whether Xero is worth the fees depends on your business needs and size. If you're a small business with basic accounting needs, the Early plan may be sufficient. However, as your business grows, you may need to upgrade to a more comprehensive plan.
If you want to lower your total Xero costs without switching platforms, several proven strategies work.
Here is how it actually works:
What are you based in? (Pricing varies by currency). Roughly how many invoices do you send per month? Do you need to pay employees through the software? Do you handle multiple currencies ?
To lower your total costs, use a third-party processor (like Authorize.net) integrated via a Xero app. Xero does not charge extra for this integration, but the gateway will.
Whether you need to handle or track project hours
Xero's App Store offers over 1,000 integrations, but most carry their own subscription fees. Common paid add‑ons include: