Xero Pricing 2026: What You Actually Pay
Xero’s official 2026-10-19 UK capture lists Ignite at £1.80/month excl. VAT for six months then £18/month, Grow at £3.90 then £39, Comprehensive at £5.50 then £55, and Ultimate at £7 then £70. Invoice, bill, payroll, forecast, analytics, and no-inference boundaries are retained.
Captured GBP plans
| Plan | Captured GBP boundary | Positioning |
|---|---|---|
| Ignite | £1.80/month excl. VAT for first 6 months; then £18/month | Foundational finance |
| Grow | £3.90/month excl. VAT for first 6 months; then £39/month | Automation and dashboards |
| Comprehensive | £5.50/month excl. VAT for first 6 months; then £55/month | Deeper insight and multi-currency |
| Ultimate | £7/month excl. VAT for first 6 months; then £70/month | Advanced analytics and benchmarking |
Captured workflow boundaries
| Boundary | Ignite | Grow | Comprehensive | Ultimate |
|---|---|---|---|---|
| Quotes/invoices | 20 invoices and quotes | Unlimited invoicing | Unlimited | Unlimited |
| Bills entered | 10 | Automated entry/tracking | Included | Included |
| Domestic online payments | £0.20 each | Up to 5 | Up to 10 | Up to 15 |
| Payroll | £1.50 per person | 1 person | 5 people | 10 people |
| Cash-flow forecast | 30 days | 60 days | 90 days | 180 days |
| Expense/mileage users | Not stated | 1 user | 5 users | 10 users |
| Multiple currencies | Not included | Not included | Included | Included |
| Project time/cost tracking | Not included | Not included | Not included | 10 users |
| KPIs, ratios, benchmarking | Not included | Not included | Not included | Included |
Billing and no-inference rules
The page offers 90% off for the first six months and separately advertises one month free, but full eligibility terms are not exposed. Ongoing monthly prices are Ignite £18, Grow £39, Comprehensive £55, and Ultimate £70. Optional company accounts and tax costs £120 excl. VAT annually, and domestic online payments are £0.20 where explicitly stated.
Ignite includes 20 invoices/quotes, 10 bills, VAT/MTD, CIS automation, reconciliation, document capture, reports, a 30-day forecast, £1.50 per-person payroll, and basic graphs. Grow adds unlimited invoicing, automated bills, five domestic payments, payroll for one, a 60-day forecast, dashboards, expenses for one user, and auto-reconciliation. Comprehensive adds 10 payments, payroll for five, a 90-day forecast, expenses for five, multi-currency, scorecards, and smart budgets. Ultimate adds 15 payments, payroll for 10, a 180-day forecast, expenses and project time/cost tracking for 10, KPIs, ratios, and benchmarking.
VAT amounts, checkout totals, promotion eligibility, currency conversion, payroll-volume totals, international-payment add-on pricing, unshown add-ons, accountant-plan prices, and regional payment rules are not inferred.
Current Xero offers
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