Xero

Xero pricing starts at $20/mo (Early) on the entry plan, with Growing and Established tiers above that lifting the invoice cap and adding multi-currency and project tracking. Every plan includes unlimited users at no extra per-seat cost, which sets Xero apart from per-user competitors. The comparison table on this page shows each plan in US dollars so you can see where the invoice cap lifts.

Unlimited users is one of Xero's defining features: you can add your bookkeeper, accountant, and team members without paying a per-seat fee on any plan, including the entry tier. Competitors such as QuickBooks cap user counts by plan and charge more for higher tiers partly to add seats. For a business with several people touching the books, this can make Xero meaningfully cheaper than its headline price suggests.

Yes. Xero calculates US sales tax through a built-in Avalara integration, which applies the correct rate by jurisdiction and supports multi-state nexus for businesses selling across state lines. Avalara can also handle the actual filing of returns as a paid service. For straightforward single-state businesses the built-in tracking is enough; multi-state sellers benefit from the deeper Avalara connection.

Xero does not include built-in US payroll; instead it integrates with Gusto for payroll, tax filing, and W-2 reporting. Gusto is priced separately as a monthly base fee plus a per-employee fee. If you want payroll and accounting on a single bill, QuickBooks or Sage with their payroll add-ons may suit better. The calculator on this page lets you model your employee count into the estimate.

The entry Early plan caps invoices at around 20 per month, which suits solo freelancers and very small businesses but is quickly outgrown. The Growing plan removes the cap with unlimited invoices and bills. If you send more than around 20 invoices a month, you should plan to use the Growing tier rather than the entry price, so compare on that tier in the table above.

Yes. Xero's JAX (Just Ask Xero) is a native AI assistant that answers natural-language questions about your cash flow, invoices, and profit and loss. Xero has also built a Model Context Protocol connection that lets you connect your Xero account inside an AI assistant such as Claude and ask questions about your finances in conversation. Verify the current availability and scope of the MCP connection, as it is rolling out.