Xero: pricing, features & alternatives (2026)
Reviewed by the Resale IQ data team · Last verified 8 Oct 2026 · Next check 7 Nov 2026 · How we check
Xero is cloud accounting software with four UK plans, Ignite at GBP 18, Grow at GBP 39, Comprehensive at GBP 55 and Ultimate at GBP 70 per month excluding VAT, after a 6-month introductory discount (checked 8 Oct 2026).
Pricing (checked 8 Oct 2026)
| Plan | Price | Billing | What it includes |
|---|---|---|---|
| Ignite | GBP 18 | per month excl. VAT (GBP 1.80 for the first 6 months) | Quotes and 20 invoices, 10 bills, bank reconciliation, VAT returns to HMRC, MTD for Income Tax ready |
| Grow | GBP 39 | per month excl. VAT (GBP 3.90 for the first 6 months) | Invoices and quotes (the 20-invoice cap is listed for Ignite only), bill entry, 1 user for expenses and mileage, payroll for 1 person |
| Comprehensive | GBP 55 | per month excl. VAT (GBP 5.50 for the first 6 months) | Everything in Grow plus 5 users for expenses, multiple currencies, payroll for 5 people |
| Ultimate | GBP 70 | per month excl. VAT (GBP 7 for the first 6 months) | Everything in Comprehensive plus 10 users, 180-day cash flow forecast, project and time tracking |
The page advertises one month free and a 90% discount on the plan price for the first 6 months. Checked 8 Oct 2026 on the vendor's own page. The page asks whether you are VAT registered and shows prices excluding VAT. Company accounts and tax are an optional extra at GBP 120 excluding VAT, billed annually. Other countries have their own pages and prices.
Platforms and features
The UK pricing page lists:
- Sending quotes and invoices, with 20 invoices a month on Ignite
- Bank reconciliation, with auto-reconcile on Grow and above
- VAT returns submitted to HMRC and readiness for Making Tax Digital for Income Tax
- Online bill and payroll payments, charged at GBP 0.20 per payment beyond the plan allowance
- Payroll at GBP 1.50 per person beyond the plan allowance
- Cash flow forecasts of 30, 60, 90 and 180 days depending on the plan
Xero is general business accounting, not a resale tool, and the page does not describe marketplace sales imports. For a reseller the practical points are the invoice cap on Ignite, the VAT return feature if registered, and the way extras such as payroll and payments are metered. The introductory discount lasts six months and then the standard monthly price applies, so compare the standard figures. Resale IQ does not give accounting or tax advice; ask a tax adviser how your resale income is treated.
Who it is for, and who it is not for
Good fit: A UK reseller trading as a business who needs invoices, bank reconciliation and VAT returns to HMRC, and wants an accountant to work in the same system.
Poor fit: A casual private seller with no business structure, a seller outside the UK who needs local tax features, and anyone wanting a free plan.
Pros and cons
Pros
- Four public plans
- Introductory discount for six months
- VAT returns to HMRC
- No per-user licence fees, as stated
Cons
- Ignite caps invoices at 20
- Prices exclude VAT
- Not built for resale inventory
- Payments and payroll are charged extra
These come from the vendor's own pages and documentation, not from user reviews. No star rating or score is shown for this listing.
How it pairs with Resale IQ
Xero keeps the books. Resale IQ helps with the buying decision on Vinted EU data. How resale income is taxed is a question for your adviser, not this directory.
Check an item before you buy it
Resale IQ gives BUY, WATCH or SKIP and a maximum price for a named model, from Vinted EU asking prices and observed departures.
Run a free check →Alternatives
- FreeAgent: USD 22/month as shown
- Pennylane: From EUR 7/month excl. VAT
- Wave: Free; Pro USD 19/month
- sevDesk: Free; paid from EUR 11.90/month excl. VAT
More in Accounting and tax: Holded, Indy.
Frequently asked questions
How much does Xero cost?
On 8 Oct 2026 the UK page showed Ignite at GBP 18, Grow at GBP 39, Comprehensive at GBP 55 and Ultimate at GBP 70 per month excluding VAT, with a discounted first six months.
Does Xero offer a free trial?
The page advertises one month free and a 90% discount for the first 6 months.
Is Xero made for resellers?
No. It is general accounting software, and the pages we read do not describe marketplace sales imports.
Sources and method
- Xero UK pricing, read 8 Oct 2026
Every price is copied from the page linked above on the date shown and is not converted between currencies. If a figure is not published we write "Not published". Method and corrections.
Is something wrong or out of date? Send a correction or claim this listing. Factual corrections with a vendor URL are applied within 5 business days.