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Our take
Xero is the cleanest accounting software here, with unlimited users on every plan and genuine multi-currency support. Budget on the $55/mo Growing plan — Early’s caps push most freelancers up — and expect to pay full list price once intro promos expire.
Xero pricing
20 invoices/quotes + 5 bills per month
Unlimited invoices and bills, Hubdoc capture
Multi-currency, project tracking, expense claims
- Trial: 30-day free trial, no credit card required
- All plans include unlimited users — no per-seat fees.
- Aggressive introductory promos are common (often ~90% off the first 6 months); budget on the list prices above.
- No free plan.
Key features
- Smooth invoicing with automatic reminders and “pay now” buttons
- Recurring invoices (capped at 20 per month on Early)
- Expense tracking with free Hubdoc receipt capture (Growing and above)
- Online payments via Stripe, PayPal, and Square
- W-9 and 1099 management
- Well-reviewed mobile app
- Multi-currency in 160+ currencies with automatic exchange rates (Established plan)
- 1,000+ third-party integrations
Pros and cons
Xero: pros
- Unlimited users on every plan — no per-seat fees as you add collaborators
- The best bank-reconciliation experience, according to reviewers
- Clean, jargon-free interface
- 1,000+ integrations and genuine multi-currency support
Xero: cons
- Early’s caps push most active freelancers to the $55/mo Growing plan
- No phone support
- US payroll is a paid third-party add-on (Gusto, around $49/mo)
- Introductory promo pricing jumps to full list price when the offer ends
Who is Xero best for?
Freelancers with international clients who want multi-currency billing and a clean UI — realistically landing on the $55/mo Growing plan.
Affiliate note: Refer-a-Friend program pays 30% commission per paid signup for up to 12 months — open only to active Xero subscribers.
Xero FAQs
How much does Xero cost?
Early is $25/mo, Growing is $55/mo, and Established is $90/mo. Every plan includes unlimited users — no per-seat fees.
Does Xero have a free plan?
No. There’s a 30-day free trial that doesn’t require a credit card.
Is Xero good for freelancers with international clients?
Yes — it’s one of the best picks for international work, with multi-currency invoicing in 160+ currencies (Established plan) and 1,000+ integrations.
What’s the catch with Xero’s pricing?
The $25 Early plan caps you at 20 invoices/quotes and 5 bills per month, so most active freelancers land on Growing at $55/mo. Introductory promos (often ~90% off) revert to list price when they end.