Xero Free Plan [best] -

You can sign up with just your name, email, and phone number without providing payment details upfront.

How to do a business plan: steps, tips and template | Xero AU xero free plan

If you need a , Xero is not the right choice. Look at: You can sign up with just your name,

: Available within the platform, the Demo Company allows you to practice invoicing, bank reconciliation, and reporting without entering your own financial data. Xero's Free Business Tools xero free plan

: New users can access all Xero features for 30 days without providing a credit card. You can set up your own business data or experiment with a pre-filled demo company.

While this is not free, it is designed to be an affordable stepping stone.