Xero

Xero pricing in the US starts at $27/mo (Early), with $59/mo (Growing) and $97/mo (Established) above it. Moving up lifts the invoice cap and adds multi-currency and project tracking. Every plan includes Unlimited users, so you do not pay per seat. Each plan is priced in US dollars in the comparison table on this page, so you can see where the invoice cap lifts.

Xero prices by plan, not by seat, so every plan includes Unlimited users. You can add your bookkeeper, accountant, and team members without paying a per-seat fee on any plan, including the entry tier.

Yes. Xero calculates US sales tax through a built-in Avalara integration, and it supports businesses selling across state lines. Filing the returns runs through Avalara too. If you sell in one state, the built-in tracking covers it. If you sell in several, the Avalara connection is the part to look at closely, because that is what does the multi-state work.

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. The calculator on this page lets you model your employee count into the estimate.

Xero's entry plan caps invoicing at 20/mo (Early). That covers a solo freelancer with a short client list. A business that invoices most days will run past it. The next plan, $59/mo (Growing), removes the cap with unlimited invoices and bills. If you send more invoices than that, compare Xero on that plan in the table above and not on the entry price.

Yes. Xero has its own AI assistant, JAX (Just Ask Xero), which you can ask about your cash flow, invoices, and profit and loss in plain English. Xero has also built a Model Context Protocol connection that lets you connect your Xero account inside an AI assistant and ask questions about your finances in conversation.

Xero includes Unlimited users on every plan and prices by tier, from $27/mo (Early) to $97/mo (Established); QuickBooks Online limits users by tier and prices payroll separately. Xero handles sales tax across states and 1099 contractor tracking, but it has no built-in payroll: that runs through a Gusto integration. The table above costs both at your size, and the QuickBooks vs Xero page goes feature by feature.

Xero can handle US sales tax filing but not income tax preparation. In Xero's model tax preparation is your accountant's job, and accountant access is free.

Yes. Accountant access is free on every client's Xero subscription, and each subscription includes Unlimited users with no per-seat fee, so a firm can work across many client files without adding cost to any of them.