Super now has to reach your employees' funds within 7 business days of payday. Good software makes that, Single Touch Payroll and BAS almost automatic. Find the plan that fits your business in 30 seconds.
Australian small businesses have more payroll and tax obligations than ever. These are the ones software takes off your plate.
From 1 July 2026, each employee's super must be received by their fund within 7 business days of payday (ATO). Sending it on day 7 isn't enough.
Payroll has to be reported to the ATO each pay run through STP-enabled software.
Once turnover hits $75,000 you must register for GST. Accounting software tracks GST and helps you lodge your BAS.
Automatic bank feeds and reconciliation save hours each month and cut errors.
Snap receipts and bills on your phone so expenses land in the right place.
Higher plans add cash-flow forecasts and multi-currency for growing businesses.
Xero suits most small businesses doing their own books. Employment Hero is worth a look once HR, rostering and onboarding become a headache.
The numbers that matter, with sources. Prices change often, so treat them as a guide and confirm at checkout.
| Xero plan | Price/month | People paid | Key limits & extras | Best for |
|---|---|---|---|---|
| Ignite | $37 | 1 | 20 invoices and 5 bills a month | Sole traders starting out |
| Grow | $78 | 2 | Unlimited invoices and bills | Small service businesses |
| Comprehensive | $107 | 5 | Multi-currency, 90-day cash-flow forecast | Growing teams, importers |
| Ultimate 10 / 20 | $143 / $180 | 10 / 20 | Projects, KPIs, longer forecasts | Established SMEs |
| Ultimate 50 / 100 | $250 / $300 | 50 / 100 | As above | Larger payrolls |
Including the stuff the ads leave out, taken from owner reviews and our research.
Answer three questions to see which Xero plan fits and what your first year costs. Then check exactly when super must land for any payday.
Open the plan picker →Payroll limits are the main thing separating Xero plans.
Under 20 invoices and 5 bills a month? Ignite may be enough.
Hiring soon or importing? Pick the plan you will need, not the cheapest today.
A simple checklist to make sure your super lands on time, plus tips for setting up payroll in Xero.
We checked prices, ratings and rules on 14 Nov 2026 using the sources below. We summarise reviews; we never write or edit them.