Xero

Xero starts at $78/mo (Grow) for the Ignite plan, which covers up to 20 invoices per month and bank feeds for one account. The mid-tier Grow plan is $107/mo (Comprehensive) with unlimited invoicing and unlimited bank feeds, and the Comprehensive plan is $143/mo (Ultimate 10) and adds multi-currency and advanced features. All prices are in AUD and plans are month-to-month.

Yes. Payroll is included on every Xero plan at no extra per-employee cost (Included). This covers STP Phase 2 reporting, superannuation payments, and leave management for Australian employees.

Xero allows Unlimited users on every plan. There is no per-seat charge, so you can invite your bookkeeper, accountant, and as many team members as you need without an increase in your monthly subscription.

Yes. Xero is connected to the ATO and supports direct BAS lodgement. GST is calculated automatically as you code transactions, and you can lodge your Business Activity Statement from within Xero without exporting to a separate system.

The Ignite plan includes Unlimited bank feed connection. Grow and higher plans include unlimited bank feeds, which suits businesses with multiple accounts, credit cards, or loan facilities.

Xero's entry plan costs more per month than MYOB's Lite plan, but Xero includes payroll for all staff on every plan while MYOB charges an additional per-employee fee on its lower tiers. For businesses with even a handful of employees, the total cost comparison depends on headcount. Unlimited users on every Xero plan is also an advantage for growing teams.

No. Xero is available on a rolling monthly subscription with no lock-in contract. You can upgrade, downgrade, or cancel at any time. An annual billing option is not offered by Xero Australia; the pricing shown is always month-to-month.