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How Much Is Xero per Month and What Do You Get for Your Money
17 November 2025

Xero is one of the most popular accounting software options for small and growing businesses in the UK. It’s designed to simplify your financial management, streamline bank reconciliation, and improve cash flow and business visibility. But how much is Xero per month, and what exactly do you get for your money? This article explores Xero’s pricing plans, features, and value propositions for small businesses, sole traders, and established enterprises alike. We’ll also examine how Xero compares to other accounting software, what extras like Xero Payroll and Xero Projects offer, and how 10 CA, a trusted accounting partner, can help you make the most of your Xero subscription.

What Is Xero?

Xero is a cloud-based accounting software designed for small businesses, sole traders, and established enterprises. With Xero, users can manage bank transactions, invoices, bills, and tax calculations all from a single dashboard. It connects directly to UK banks through Xero’s direct bank feeds, making bank reconciliation effortless. The system allows you to capture bills and receipts with Hubdoc, generate professional invoices, and track expenses in real time. Xero supports multiple currencies, making it suitable for international transactions. Moreover, it allows you to manage as many Xero organisations as needed under the same subscriber email address, making it perfect for accountants and consultants handling multiple clients.

Why Choose Xero Accounting Software?

Businesses in the UK prefer Xero for its ease of use, automation, and real-time financial insights. Key benefits include automated bank feeds to import and categorise transactions, real-time cash flow and business snapshot to track income and expenses, unlimited users for collaboration, multi-currency support, access from anywhere, and reliable support through Xero Central. For businesses aiming to scale efficiently, Xero offers automation that saves time and reduces accounting errors.

Xero Pricing Overview (2025 Update)

Before diving into each plan, here’s a quick overview of how much Xero is per month and what you get for your money in the UK:

Plan	Monthly Cost (GBP)	Best For	Key Features
Starter	£15/month	Sole traders, freelancers	20 invoices & 5 bills, bank reconciliation, mobile app
Standard	£30/month	Growing small businesses	Unlimited invoices and bills, bank feeds, VAT support
Premium	£42/month	Established businesses	Multi-currency, payroll integration, advanced reports
Ultimate	£55/month	Larger or multi-entity companies	All features, Projects, Payroll, Expenses, Analytics+

Prices may vary slightly due to UK banks’ fees, discounts for multiple organisations, or country edition differences.

The Starter Plan – For Sole Traders and Very Small Businesses

The Starter Plan is ideal for very small businesses or sole traders managing basic financial tasks. Features include up to 20 invoices and 5 bills per month, automatic bank transaction reconciliation, bank feeds from supported UK banks, receipt capture with Hubdoc, and invoice and quote creation. Though limited, it’s perfect for freelancers who don’t yet need a comprehensive plan but still want professional-grade accounting.

The Standard Plan – Best for Growing Businesses

The Standard Plan is Xero’s most popular choice for growing businesses needing more functionality. Features include unlimited invoices and bills, effortless bank reconciliation and bill payments, automatic VAT returns, a real-time business snapshot dashboard, and mobile app access. The Standard Plan is the backbone of efficient financial management, ensuring your cash flow and business stay aligned.

The Premium Plan – A Comprehensive Option for Established Businesses

Xero’s Premium Plan offers an enhanced feature set for established businesses managing complex financial operations or multiple currencies. Key features include all standard features plus multi-currency support, seamless international payments, Xero Payroll for up to 10 employees, advanced analytics and cash flow forecasting, and integrations with third-party accounting software or payment systems. This plan suits businesses dealing with global clients or suppliers, offering flexibility and depth for financial precision.

The Ultimate Plan – Xero’s All-Inclusive Powerhouse

The Ultimate Plan is Xero’s most comprehensive plan, combining all premium features with advanced analytics and HR support. It includes everything in Premium plus Xero Projects for project tracking and profitability, Expense Claims and Xero Expenses, Xero Payroll for up to 10 employees, Analytics+ for short-term cash flow forecasting, and enhanced user permissions for larger teams. It’s perfect for large businesses or those managing multiple organisations under the same or different country editions.

Xero Add-ons and Extras

To enhance productivity, Xero offers various add-ons, including Xero Payroll to automate payroll and HMRC submissions, Xero Projects for project tracking, Expense Tracking for employee reimbursements, and Hubdoc for capturing and extracting data from receipts and bills. Each of these integrates smoothly into your Xero account, ensuring your accounting processes run efficiently.

Comparing Xero’s Plans – A Quick Reference

Feature	Starter	Standard	Premium	Ultimate
Bank Reconciliation	✔	✔	✔	✔
Unlimited Invoices	✖	✔	✔	✔
Multi-Currency	✖	✖	✔	✔
Payroll	✖	✖	✔	✔
Expense Claims	✖	✖	✖	✔
Projects	✖	✖	✖	✔
Analytics+	✖	✖	✖	✔

Tip: Xero occasionally offers a discount for multiple organisations which can be applied manually through your subscriber email address or by contacting Xero support.

How to Get the Most Value from Xero

Automate data entry using bank feeds and Hubdoc, customise your dashboard to monitor cash flow, integrate Xero Payroll and Projects for unified tracking, use Xero Central tutorials to upskill your team, and work with 10 CA, a Xero partner, for professional guidance and accounting efficiency.

Xero vs Other Accounting Software

Compared to competitors like QuickBooks or Sage, Xero offers a more intuitive interface and better multi-currency support. While others may charge extra for add-ons, Xero includes robust integrations in its higher-tier plans. Moreover, Xero’s direct bank feeds and real-time reconciliation make it one of the most efficient tools for small business owners.

FAQs

1. How much is Xero per month in the UK?

Xero starts from £15/month for the Starter plan and goes up to £55/month for the Ultimate plan.

2. Can I manage multiple organisations under one account?

Yes, you can manage multiple Xero organisations under the same email address, with potential discounts for multiple subscriptions.

3. Does Xero offer payroll services?

Yes, through Xero Payroll, you can handle wages, pensions, and tax submissions.

4. Is there a free plan for Xero?

Xero doesn’t offer a permanent free plan, but you can access a 30-day free trial.

5. Can I reconcile bank transactions automatically?

Yes, Xero allows you to reconcile bank transactions through direct bank feeds from most UK banks.

6. What is included in the Ultimate plan?

It includes Payroll, Projects, Expenses, Analytics+, and multi-currency features everything a comprehensive business needs.

Conclusion

If you’re asking how much is Xero per month and what do you get for your money, the answer depends on your business size and needs. From sole traders using the Starter plan to established businesses on the Ultimate plan, Xero provides flexibility, automation, and value. Partnering with 10 CA ensures you make the most of your Xero subscription, with expert support, setup, and financial advice tailored to your business. Contact 10 CA today to streamline your accounting and unlock the full potential of Xero.

Disclaimer:

This article is for general information only and reflects Xero’s UK pricing and features as of 2025. Prices and features may change. For current details or personalised advice, please contact Xero or a qualified accountant such as 10 CA.