The entry plan is cheaper than people expect and more limited than they notice. Xero’s lowest tier caps how many invoices and bills you can enter each month, and that cap is where most businesses outgrow it — not through some grand feature need, but by quietly hitting a limit in a busy month and finding they cannot raise an invoice. So the honest test is your monthly transaction volume rather than your ambitions. Above that, the tiers add multi-currency, projects and expense claims, none of which most sole traders need. Users are not part of this calculation at all, which is a genuine Xero advantage. We would rather put you on the right tier now than have you discover the cap on the last day of a month.