For Xero users, founders and practices
Xero is changing.
Here are your options.
On 1 September 2026, UK Xero prices rise again and the multi-organisation discount goes away. Change like that is a fair moment to ask what you are actually paying for. This page holds the facts, the comparisons and the migration paths, whichever way you decide.
Prices below are Xero's own published figures, checked 10 August 2026.
| Plan | Today | 1 Sept | Δ |
|---|---|---|---|
| Ignite | £16 | £18 | +£2 |
| Grow | £37 | £39 | +£2 |
| Comprehensive | £50 | £55 | +£5 |
| Ultimate | £65 | £70 | +£5 |
And the one that hits practices: from the same date the multi-organisation discount is removed. Every organisation bills at full price.
Run the numbers
What the discount removal actually costs
A practice with 14 client organisations on Grow, today and from 1 September, against AccountsOS at £12 + VAT a live client, no minimum.
Xero today, before any discount
£518
per month · 14 orgs on Grow at £37
Xero from 1 Sept, full price
£546
per month · and the multi-org discount is gone
AccountsOS practice
£168
per month + VAT · dormant files £1.50 + VAT
£518 is 14 organisations on Grow at Xero's published £37 today. £546 is the same book at £39 from 1 September, when the multi-organisation discount also disappears, so the real jump for a discounted book is bigger than the £28 difference. AccountsOS is 14 live clients at £12 + VAT. Your book, your numbers: we will do the maths with you.
The move itself
Connect Xero. Review the plan. Nothing posts unreviewed.
Finn reads your organisations over the Xero API, maps each chart of accounts onto ours and writes an import plan per client. You approve it, client by client or in batches, before a single entry lands.
Xero migration
Connected · 14 organisations found
Nothing posts until you approve each plan.
Connected. I can see 14 organisations. Pick the ones to migrate and I'll build an import plan for each before anything posts.
Comes across
- Chart of accounts, mapped
- Contacts and invoice history
- Opening balances
- VAT history and filing periods
Most practices pilot one client first. If you get stuck, we'll do the import with you.
The difference that isn't price
Xero gives you tools to do your own books. AccountsOS does the books and shows you the exceptions.
Finn works continuously
Transactions categorised, receipts matched, returns drafted. You see a short list of exceptions, not a reconciliation queue.
It reaches you where you are
WhatsApp, Slack, email or voice. Logging in is a choice, not the workflow.
Everything shows its working
Every figure carries its source document and Finn's reasoning. Built to be audited, not just trusted.
£20a month + VAT flat for a founder, everything included
£12+ VAT per live client for practices, no minimum
26countries, filed with the local authority
Wherever you are in this
Pick your path
AccountsOS vs Xero, feature by feature
The full head-to-head: pricing, features, AI, countries, what each one includes and what costs extra.
See the comparisonSwitch from Xero (founders)
One CSV export and your books move over. £20 a month plus VAT flat, and Finn does the bookkeeping instead of giving you tools to do it yourself.
How the switch worksMove your practice off Xero
Connect Xero by API, see every client organisation, pilot one client, then migrate the book in batches. An import plan per client, reviewed before anything posts.
The practice migration pathWhat an AI-native practice looks like
The bigger question is not which ledger you rent. It is whether the production work should be manual at all.
Read the thesisStraight answers
What Xero users ask us
What exactly is changing at Xero in September 2026?
Two things, both announced by Xero. From 1 September 2026 UK subscription prices rise: Ignite from 16 to 18 pounds, Grow from 37 to 39, Comprehensive from 50 to 55 and Ultimate from 65 to 70, all excluding VAT. And from the same date the multi-organisation discount is removed, so anyone running several organisations pays full price on each.
Who does the multi-organisation discount removal actually affect?
Anyone with more than one Xero organisation: founders running two or three companies, and above all accounting practices, where a client book can mean dozens or hundreds of organisations. From 1 September each one bills at full price. If that is you, it is worth re-costing your setup before the change lands rather than after.
Is AccountsOS actually cheaper, or just different?
Both. For a founder it is 20 pounds a month plus VAT with everything included, against Xero's Grow at 37 pounds, rising to 39. For a practice it is 12 pounds plus VAT per live client with no minimum, and dormant files are 1.50 plus VAT. But the bigger difference is what you get: Xero gives you tools to do your own books, AccountsOS does the books and shows you the exceptions.
How painful is moving, honestly?
For a founder: export the CSV from Xero, upload it, review what Finn mapped. For a practice: connect Xero by API, choose which client organisations to bring, and review an import plan per client before anything posts. Accounts, contacts, opening balances and VAT history come across. Most practices pilot one client first. If you get stuck, we will do the import with you.
What happens to my VAT position mid-quarter?
VAT history migrates with the books and AccountsOS is HMRC-recognised software for Making Tax Digital VAT, filing real returns in production. The usual pattern is to complete the current VAT period wherever it started, then file the next one from AccountsOS.
Can we tailor it to how our practice works?
Yes, and this is where being small and AI-native helps. Onboarding is white-glove: we fit the platform to your workflow, not the other way round, at no setup cost. If your practice needs something specific, ask. The answer is usually yes, and quickly.
Decide with your own numbers.
Export one client, or one company, and see what Finn does with it. The comparison that matters is the one on your books.
Prices on this page are Xero's published UK figures, checked 10 August 2026. If they have changed since, tell us and we will correct them.