AI accounting software for Australian business
AX is your AI finance partner, the Xero AI built into your account and grounded in 20 years of Australian small-business data. It reconciles your books, keeps your GST and BAS on track, and gives you a clear view of your cash position. Everything it does is recorded for your review.
Plans to suit your business
Grow
for the first 6 months
Then $75 per month
Go beyond the basics - automate tasks and access performance dashboards.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Track GST and lodge BAS
- Capture bills and receipts with Hubdoc
- View real-time reports
- Automate superannuation
- Payroll for 2 people
- 60 day cashflow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 1 user
Comprehensive
for the first 6 months
Then $100 per month
Optimise profitability - tailor your insights for greater control.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Track GST and lodge BAS
- Capture bills and receipts with Hubdoc
- View real-time reports
- Automate superannuation
- Payroll for 5 people
- 90 day cashflow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 5 users
- Use multiple currencies
- Tailored financial health scorecards
for the first 6 months
Then $130 per month
Future proof your scaling business - with advanced tools and analytics.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Track GST and lodge BAS
- Capture bills and receipts with Hubdoc
- View real-time reports
- Automate superannuation
- Payroll for 10 people
- 180 day cashflow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 10 users
- Use multiple currencies
- Tailored financial health scorecards
- Analyse KPIs and ratios
- Track projects for 10 users
- Benchmark against the industry
AI accounting software for Australian business
JAX zips through the repetitive work: capturing bills and receipts and reconciling your bank transactions. It works inside your Xero account
Win back 22+ hours a month
Automated bank reconciliation hands routine matching to JAX, freeing time for work that grows your business.
Reconcile with 97% accuracy
JAX matches and reconciles your bank transactions automatically, so there's far less to fix at BAS time.
Get ATO-ready records
Your GST and BAS figures stay current in Xero, ready for each lodgement and every tax time.
Automate the busywork
JAX quietly runs your bank reconciliation, transaction categorisation, and bill and receipt capture in the background. Everything it does is logged, so you can see what went ahead and why. And JAX works across the tools you already use, like Claude and Excel.
Automatic bank reconciliation
JAX reconciles your transactions automatically at 97% accuracy, leaving fewer corrections to make and fewer surprises at BAS time.
JAX chases overdue invoices
JAX follows up your overdue invoices automatically, so late payments fall without the awkward chase or the manual reminders.
See every invoice at a glance
Create and send invoices from Xero, then watch their status as you go, so you always know who's paid and who hasn't.
Clear answers every day with AI accounting
See a live view of your cash flow, invoices, and bills. Ask JAX a plain-language question, like whether you're on track for BAS, and get a straight answer that's based on your current Xero data – not last month's report.
Always know where GST and BAS stand
Live updates keep you ATO-ready between lodgements, so there's no rush at the end of each quarter.
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Powerful AI you can trust
Accountable Intelligence™ means JAX shows its reasoning at every step, and everything it automates can be reviewed and audited. It's protected by multiple layers of security and keeps a full audit trail, so you can always see exactly how each answer was reached.
- Backed by JAX Assure, which verifies every answer
- Protected by multiple layers of security
- Recorded in a full audit trail you can review at any time
- Synced with your accountant's Xero view at all times
- Grounded in 20 years of Australian small business data
- Trusted by over 2 million businesses worldwide
Three AI capabilities, one Xero account
AI capture
Snap or forward your bills and receipts, and JAX digitises, reads and files them for you. No manual data entry
AI Automate
JAX runs bank reconciliation and transaction categorisation in the background, with every action logged.
AI Insights
Turn your Xero data into clear answers about cash flow and model what-if scenarios.
Common questions about AI in accounting
AI accounting software uses artificial intelligence to handle routine financial tasks for you, such as bank reconciliation, receipt capture, to give you clear answers about your numbers. In Xero, that accounting AI is JAX. It works inside your existing account and learns from years of small business data, so it understands how businesses in Australia operate.
AI accounting software uses artificial intelligence to handle routine financial tasks for you, such as bank reconciliation, receipt capture, to give you clear answers about your numbers. In Xero, that accounting AI is JAX. It works inside your existing account and learns from years of small business data, so it understands how businesses in Australia operate.
JAX is your AI finance partner – not a replacement for your accountant. It takes care of the repetitive work, like reconciling transactions capturing receipts, while the judgement stays with you and your advisor. Think of JAX as AI for accounting that does the heavy lifting, then hands you and your accountant a clear, current set of books to make decisions from.
JAX is your AI finance partner – not a replacement for your accountant. It takes care of the repetitive work, like reconciling transactions capturing receipts, while the judgement stays with you and your advisor. Think of JAX as AI for accounting that does the heavy lifting, then hands you and your accountant a clear, current set of books to make decisions from.
BAS automation is one of the most useful things JAX AI brings to GST accounting software.
As JAX categorises and reconciles your transactions, your GST position updates in Xero, so your BAS figures stay current. That means less scrambling at quarter end and a clearer view of what you owe, helping you stay ATO-ready through the year.
The ATO has more information about your tax obligations
BAS automation is one of the most useful things JAX AI brings to GST accounting software.
As JAX categorises and reconciles your transactions, your GST position updates in Xero, so your BAS figures stay current. That means less scrambling at quarter end and a clearer view of what you owe, helping you stay ATO-ready through the year.
The ATO has more information about your tax obligations
Yes. With Xero’s Accountable Intelligence™, JAX shows its reasoning and keeps a full audit trail you can review. Your data is protected by multiple layers of security, and you decide what goes ahead, so nothing moves without your say-so. You get the speed of automation while keeping the oversight a small business needs.
Yes. With Xero’s Accountable Intelligence™, JAX shows its reasoning and keeps a full audit trail you can review. Your data is protected by multiple layers of security, and you decide what goes ahead, so nothing moves without your say-so. You get the speed of automation while keeping the oversight a small business needs.
Yes. JAX is built for both your small business and your advisors, so your accountant or bookkeeper works from the same Xero view you do. Your books stay reconciled between meetings, which means your advisor spends less time fixing data and more time on advice that actually moves your business forward.
If you rely on AI bookkeeping in Xero, JAX gives everyone a single, up-to-date picture to work from, with the same audit trail visible to you both.
Yes. JAX is built for both your small business and your advisors, so your accountant or bookkeeper works from the same Xero view you do. Your books stay reconciled between meetings, which means your advisor spends less time fixing data and more time on advice that actually moves your business forward.
If you rely on AI bookkeeping in Xero, JAX gives everyone a single, up-to-date picture to work from, with the same audit trail visible to you both.
The crucial difference is that Xero's AI, JAX, is built into the platform rather than added on afterwards. This means it draws on your live Xero data and is shaped around Australian compliance needs like BAS, GST, and Single Touch Payroll.
Because JAX learns from years of small business activity, it can reconcile faster and answer questions in plain language. with your approval at every step.
See the difference between Xero and MYOB on the MYOB website.
The crucial difference is that Xero's AI, JAX, is built into the platform rather than added on afterwards. This means it draws on your live Xero data and is shaped around Australian compliance needs like BAS, GST, and Single Touch Payroll.
Because JAX learns from years of small business activity, it can reconcile faster and answer questions in plain language. with your approval at every step.
See the difference between Xero and MYOB on the MYOB website.
AI guides for small businesses
Looking for AI help that’s easy to implement and free from jargon? Look no further than our AI in accounting guides:
10 ways to use AI in your small business
Learn 10 practical ways AI can help your small business grow smarter, quicker, and with greater efficiency.
Why AI is essential for small businesses
AI tools are readily available. Used properly, AI in business can help you become more successful.
Best AI tools for your business
Artificial intelligence can help you automate tasks and reduce errors. Here are the ones to try.
Xero’s AI product philosophy: our assurance about how we use AI
Xero uses AI to make products smarter, but we do it responsibly. We ensure your data is secure, private, and you stay in control.
Start using Xero for free
Access Xero features for 30 days, then decide which plan best suits your business.