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Xero
Clean US ledger with unlimited users. Pair payroll separately. Prices rise October 1, 2026.
By Gregory GreensteinUpdated September 20, 2026Affiliate disclosure
Best for: Teams with a Xero-fluent bookkeeper, extra users, or multi-currency work.
Skip if: Your CPA will only open QuickBooks and will bill you to learn Xero.
Public pricing: Early $25/mo; Growing $55; Established $90 as of September 20, 2026. From October 1, 2026: $27 / $59 / $97. Early caps invoices and bills.
xero.com/us/pricing-plans/ and xero.com/us/pricing-plans/update/, reviewed September 20, 2026.
What it is
Xero is browser accounting: bank reconciliation, invoicing, bills, and an advisor network. In the US it is the main alternative to QuickBooks Online. Payroll is typically Gusto, not a native Intuit-style Workforce twin.
Do not live on Early forever
Early’s 20 invoices and 5 bills per month are a test. Growing is the freelance LLC plan. Established is for multi-currency, projects, and analytics. Time the October 2026 increase into your renewal math.