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I am a refuge from QuickBooks (after decades of use). I switched to Xero because of the ever-increasing costs of QuickBooks since they switched to a subscription model.

I have to have two Xero subscriptions -- one for my (very) small business and one for my home bookkeeping. (With QuickBooks, I could manage both with a single account.) At the Early level, that's $15 per month apiece, $30 a month for both, or $360 a year in all. That's less than QuickBooks, but it's a lot for my modest needs.

Now with the added "cash coding" feature -- which I don't need and won't be using -- this cost is going to jump to $480 a year! In effect, that is a one-third increase with no benefit to me. And now you cost more than QuickBooks.

It would be nice if you could discount multiple accounts; the marginal cost of adding a second Early account has to be less than 100%.