Hubdoc Pricing 2026: How Much Hubdoc Costs and What Xero Includes

How much does Hubdoc cost?

Hubdoc costs $12 per month in the US as a standalone subscription, after a 30 day free trial that does not ask for a credit card. If you already pay for a Xero business edition plan, you do not pay that $12: document capture is bundled into the Xero subscription you are already buying. Those figures come from Hubdoc's own pricing page and Xero's US pricing page, both checked on 21 August 2026.

Hubdoc pricing at a glance

Two paths lead to the same product, and which one you are on decides whether Hubdoc is a line item at all.

One caveat on those Xero numbers: at the time of writing Xero is running a promotion of 90 percent off the first six months for plans bought by 30 September 2026, so the price you see at checkout will be lower than the list price for half a year and then step up. Budget on the list price, not the promotional one. Prices are USD and exclude sales tax.

Is Hubdoc free with Xero?

Yes, for the paid business edition plans. Xero bought Hubdoc in 2018 and folded it into Early, Growing and Established at no extra cost in March 2020, and the US plan comparison table still marks the capture feature Included on all three tiers. The one thing worth checking before you assume it is free: Xero's partner only ledger and cashbook plans are not business edition plans, so a client sitting on one of those is not covered by the bundle.

Each business entity needs its own subscription. If you run three LLCs on three Xero organizations, that is three plans, and the capture that comes with each one only sees that entity's documents. Practices that manage many client files feel this more than a single business does.

What Hubdoc bank statement extraction actually does

This is the part that decides whether Hubdoc's price is relevant to you at all. Hubdoc does convert PDF bank statements into a pre formatted CSV that you upload into Xero or QuickBooks Online by hand, and Xero does not charge extra for it. But the feature ships with real conditions, all documented by Xero:

• It is available in the United States and Canada only.
• It works for supported banks. Xero maintains the list, and a statement from a bank outside it will not extract.
• The file has to be a PDF no larger than 40 inches, or 2880 points, in height and width.
• Password protected files will not process, and neither will a statement that contains no transactions.
• The output is a CSV shaped for a bank import, not a general spreadsheet you can pivot and reconcile against a workpaper.

In practice that means Hubdoc handles the easy half of the job for free: a clean digital PDF, downloaded straight from a large US bank, for an entity already on Xero. It struggles with the half that costs bookkeepers time, which is scanned statements, statements a client photographed or printed to PDF, password protected downloads, credit card statements from smaller issuers, and long multi account files where you need every page.

Hubdoc pricing compared to the other tools people price it against

Prices below were taken from each vendor's own pages on 21 August 2026. Vendors change them, so treat this as a snapshot and confirm before you buy.

The honest read: if you are on Xero, your statements are clean digital PDFs from a supported US bank, and volume is low, Hubdoc is free and you should use it. Nothing beats a feature you have already paid for. The moment scans, password protected PDFs, an unsupported bank or real volume enter the picture, the free feature stops finishing the job and the question becomes what the workaround costs.

What changed in 2026

On 2 July 2026 Xero announced smart document capture, a native ingestion and extraction tool that lives in the Xero Files inbox and is powered by JAX, its AI layer. It is live across most markets and in beta for Australia and New Zealand. That is why the US plan comparison now says Smart Document Capture where it used to say Hubdoc, while the footnotes on the same page still point at the Hubdoc terms of use.

You will find blog posts claiming standalone Hubdoc was retired in May 2026. We could not confirm that from Xero or Hubdoc directly. As of 21 August 2026 hubdoc.com is still online and still advertises the $12 per month subscription and the 30 day trial. If you are planning around a standalone Hubdoc subscription rather than the bundled Xero feature, confirm availability with Xero before you build a workflow on it, because the direction of travel is clearly toward capture living inside Xero.

Working out what statement conversion really costs you

Do the arithmetic on time, not on subscriptions. Take last month's statements and split them into two piles: the ones a free capture tool handled end to end, and the ones somebody had to key in, chase, or fix. Multiply the second pile by the minutes it took and by a real hourly rate. That number is what you are actually deciding about.

For most US bookkeeping practices the split is unpleasant. Clients send phone photos of statements, banks lock PDFs, older accounts arrive as scans, and every one of those falls outside what a bundled capture feature will process. A firm converting 300 statement pages a month at even four minutes of manual cleanup a page is spending twenty hours, which costs far more than any tool on this page.

If you want to test that on your own documents rather than take our word for it, the converter at the top of this page takes a PDF and returns Excel or CSV, and the free plan covers 15 pages without a card. Run the statement that gives you the most trouble, then compare the output against what you get out of Hubdoc.