Xero Pricing Australia 2026: Current Plans vs Gimbla

• Accounting
• Small Business
• Sole Trader
• Payroll

Xero’s 1 July 2026 Australian price increase is now in effect. For small businesses, the important question is not only “how much does Xero cost now?” It is whether the plan still fits your everyday workflow for invoices, bills, bank feeds, GST, BAS, payroll, super, reports and user access.

This guide compares Xero’s current regular Australian prices with Gimbla’s pricing model so Australian sole traders, employers and small teams can make a calmer software decision before the next invoice arrives.

Quick answer: Xero’s current regular Australian prices include Ignite at $37, Grow at $78, Comprehensive at $107 and Ultimate 10 at $143 per month, including GST. Gimbla Plus is $19.95 per month. Comparing the regular monthly prices of Grow and Plus gives a difference of $58.05 per month, or $696.60 per year, before considering features, promotions and switching costs.

Key Points

• Xero’s 1 July 2026 Australian price update is now in effect.
• Xero’s current regular price for Grow is $78 per month, including GST. Promotional prices may differ.
• Gimbla’s pricing is built around a free Starter plan and a $19.95/month Plus plan for businesses that need bank feeds, BAS and payroll workflows.
• Do not switch on price alone. Compare invoices, GST, BAS lodgment, Single Touch Payroll, bank reconciliation, users, reports, data export and accountant access.
• If you are reviewing software because of a price rise, use the same moment to check whether your current accounting workflow is ready for EOFY, payroll and future compliance changes.

Xero’s Current Australian Prices

Xero’s Australian pricing page, checked on 29 July 2026, lists regular monthly prices for Ignite, Grow, Comprehensive and Ultimate 10. Xero may also show a temporary promotional price, so compare the regular price that applies after the promotion as well as the initial discount.

The current regular monthly prices are:

• Ignite: $37/month
• Grow: $78/month
• Comprehensive: $107/month
• Ultimate 10: $143/month

These Xero prices are in Australian dollars and include GST. At the regular price, Grow costs $936 per year before payment fees, add-ons or other tools.

Xero Prices Before and After 1 July 2026

Side-by-Side Comparison: Gimbla vs. Xero

When comparing accounting software, use price as the starting point, not the whole decision. The right choice depends on the work your business actually does: invoicing, bills, bank feeds, GST, BAS, payroll, super, reports, users, exports and accountant access.

Here is a simple price-and-workflow comparison between Xero Grow and Gimbla Plus using their regular listed prices. It is not a like-for-like plan comparison: confirm the exact features and limits your business needs.

For a broader market view, read our guide to accounting software used in Australia or the overview of accounting packages available in Australia. If you are comparing Xero against MYOB specifically, use the MYOB Business vs Xero comparison to check the old Essentials naming, payroll add-ons, BAS workflows and switching trade-offs.

When Gimbla May Be the Better Fit

Gimbla was built for small businesses that want practical accounting tools without starting on an expensive monthly plan. It may be a better fit if you want a free start, transparent upgrade path, and everyday Australian workflows in one place.

1. Truly Free Starter Plan

Gimbla’s free accounting software plan helps sole traders and small businesses start with core records before they need paid features. That matters if your business is still validating demand, keeping costs tight, or replacing spreadsheets gradually.

2. Australian Tax and Payroll Workflows

Gimbla Plus is designed for Australian businesses that need GST, Business Activity Statement (BAS) support and Single Touch Payroll (STP) workflows. If you employ staff, make sure any software comparison includes pay runs, payslips, super records and STP reporting, not just the monthly subscription price.

3. Multi-Currency Without Moving to the Highest Tier

If you sell overseas, buy from international suppliers or hold foreign-currency balances, multi-currency accounting can become a real workflow need. Compare whether you get the feature on the plan you actually intend to pay for, not only on a higher plan shown in a pricing table.

Practical Steps to Evaluate Your Software Spend

If you are reviewing your software costs, follow these steps to see whether Gimbla is right for you:

1. Review your current plan: Check which Xero plan you are on, what it costs now and which regular price applies after any promotion.
2. List the features you actually use: Invoices, bills, bank reconciliation, GST, BAS, payroll, super, reports, projects, multi-currency and user access.
3. Check hidden upgrade triggers: Look for features that force a higher plan, extra user charges, add-ons or usage limits.
4. Compare with Gimbla: See whether the $0 Starter plan or $19.95 Plus plan covers your actual workflow.
5. Plan the switch carefully: Export contacts, chart of accounts, open invoices, unpaid bills, payroll records and reports before changing systems.
6. Ask your accountant or BAS agent to review timing: A clean cutover date makes opening balances, GST records and EOFY reports easier to trust.

Should You Switch Because of the Price Increase?

Maybe, but not automatically. If Xero is deeply embedded in your accountant’s process, app stack or internal reporting, the price difference needs to be weighed against switching time and feature trade-offs. If you mainly need invoices, bills, bank reconciliation, GST, BAS and a small payroll workflow, a lighter and cheaper system may make more sense.

Use the July 2026 price change as a review trigger. The best decision is the one that keeps records accurate, reduces admin time and gives you reports you trust.

Frequently asked questions

What are Xero’s regular Australian prices after 1 July 2026?

Xero’s current regular monthly prices include Ignite at $37, Grow at $78, Comprehensive at $107 and Ultimate 10 at $143, including GST. Promotional prices may differ.

What is the regular price difference between Xero Grow and Gimbla Plus?

Xero Grow’s regular price is $78 per month and Gimbla Plus is listed at $19.95 per month. The difference is $58.05 per month, or $696.60 per year, before considering features, promotions and switching costs.

What should Australian businesses compare before switching accounting software?

Compare invoices, bills, bank feeds, GST, BAS, Single Touch Payroll, super, reports, users, multi-currency, data export, accountant access and the real monthly price after discounts.

Can I switch accounting software during the financial year?

Yes, but the cutover should be planned carefully. Export reports and contacts, check unpaid invoices and bills, review opening balances, and ask an accountant or BAS agent to review the timing.

Conclusion

Xero’s current 2026 prices are a useful reason to review whether your accounting software still fits your business. Price matters, but so do GST records, BAS workflows, payroll, bank feeds, reports, exports and daily ease of use.

If you want Australian small business accounting software with a free starting point and a simple paid plan, compare your current workflow with Gimbla pricing before your next renewal or monthly invoice.