Without payroll, that same business pays ~$42–$70/month. | Feature | Xero (Grow) | QuickBooks Online (Plus) | FreshBooks (Plus) | |---------|-------------|--------------------------|-------------------| | Monthly price | $42 | $45 | $33 | | Unlimited estimates | Yes | Yes | Yes | | Billable hours tracking | Yes (projects) | Extra ($5) | Yes | | Multi-currency | Yes | No (int'l only) | No | | Inventory costing | Basic | FIFO/LIFO/avg | No | | Time tracking | Yes | $5/mo | Yes | | Mobile receipt capture | Yes (Hubdoc) | Yes | Yes | | Accountant access free | Unlimited | 1 free, $10 each extra | Yes (1 free) |
| Item | Monthly Cost | |------|--------------| | Xero Grow | $42 | | Payroll (5 employees) | $39 + $30 = $69 | | Hubdoc (already included) | $0 | | Xero Expenses (2 users) | $4 | | Stripe sync app | $10 | | | $125 | | Annual total | $1,500 | xero accounting software cost
Here’s a deep-content breakdown of as of 2026, including plans, hidden fees, add-ons, and comparison factors. 1. Core Plan Pricing (USD, monthly) Xero offers three main plans for small businesses: Without payroll, that same business pays ~$42–$70/month