AI accounting software, built for small business
Meet JAX, your AI finance partner. It's the Xero AI built into your accounting software that automates your books and handles the everyday admin. like an AI accountant for capturing bills and reconciling transactions. You’re in control: everything JAX does is recorded for your review.
AI accounting that handles your admin
JAX automates the repetitive financial work, from capturing bills to reconciling transactions.
Save 22+ hours a month
Automated bank reconciliation takes the manual keying off your plate, and the hours come back to you.
Get 97% reconciliation accuracy
JAX matches and reconciles your bank transactions automatically, so your books stay current.
Every action open to review
JAX shows how it reached each answer, and everything it automates is logged for you to check.
Connected and automated, with you in control
JAX handles the work you'd rather not: capturing bills and receipts, sending invoices, and reconciling transactions. It plugs into the tools you already use, like Claude and Excel, so your numbers stay up to date. And everything it does is logged for your review.
Automatic bank reconciliation
JAX reconciles your transactions with 97% accuracy, around the clock. Fewer corrections to make and fewer errors at filing time.
See every invoice at a glance
Create and send invoices from Xero, then track their status as you go, so you always know who's paid and who hasn't.
Bills and receipts, captured automatically
Xero’s AI Capture digitises and categorises your bills and receipts, so there's no manual data entry and no lost paperwork.
Clear numbers so you can take action
See a live view of your cash flow, invoices, and bills. Ask JAX a plain-language question like 'What's my cash position this week?' and get a straight answer from your latest Xero data – not last month's report. And 88% of Xero users agree it helps improve financial visibility.
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Accountable Intelligence™: AI you can trust
Accountable Intelligence™ means JAX shows its reasoning at every step, and everything it automates can be reviewed and audited. JAX Assure verifies every answer with built-in guardrails, and Xero protects your data with multiple layers of security. JAX AI is trusted by over 2 million businesses.
- Verified by JAX Assure before every answer reaches you
- Protected by multiple layers of security, including SOC 2 Type II and ISO 27001
- Recorded in a full audit trail on every action
- Powered by 20 years of real small-business data
- Trusted by 4.6 million subscribers worldwide
Custom capabilities, built by you
Extend Xero to work the way your business does. Build custom automations for your unique challenges, or add AI-powered apps from the Xero App Store. Three in five small businesses say it's easy to customize Xero to fit their needs, with 1,000+ certified apps to choose from.
See what JAX can do
FAQs on AI in accounting
AI accounting software uses artificial intelligence to automate routine financial tasks, like bank reconciliation, creating invoices, categorising expenses, and forecasting cash flow.
Xero's AI, JAX, is built directly into your Xero account and learns how your business works, so it gets more accurate over time. Everything it automates is recorded, so you can review any action it has taken.
AI accounting software uses artificial intelligence to automate routine financial tasks, like bank reconciliation, creating invoices, categorising expenses, and forecasting cash flow.
Xero's AI, JAX, is built directly into your Xero account and learns how your business works, so it gets more accurate over time. Everything it automates is recorded, so you can review any action it has taken.
Absolutely. With Accountable Intelligence™, JAX shows its reasoning, asks for your approval before it acts, and is backed by JAX Assure, which verifies every answer.
Your data is protected by multiple layers of security, including SOC 2 Type II and ISO 27001 certification, and it’s never used to train external AI models.
Absolutely. With Accountable Intelligence™, JAX shows its reasoning, asks for your approval before it acts, and is backed by JAX Assure, which verifies every answer.
Your data is protected by multiple layers of security, including SOC 2 Type II and ISO 27001 certification, and it’s never used to train external AI models.
Xero customers save 22+ hours a month with AI accounting tools like JAX, led by automated bank reconciliation. That's more than 5 hours back every week from manual bookkeeping, invoice admin, and data entry. The more you let JAX handle, the more time you get back for the business.
Xero customers save 22+ hours a month with AI accounting tools like JAX, led by automated bank reconciliation. That's more than 5 hours back every week from manual bookkeeping, invoice admin, and data entry. The more you let JAX handle, the more time you get back for the business.
Accounting AI tools are trained on data, which makes them especially good at pattern recognition. Tools like JAX use machine learning, a specific branch of AI, that gets smarter and more accurate over time. Another example of this is bank reconciliation in Xero, which learns your suppliers and transaction types, and makes better predictions for matches over time.
Accounting AI tools are trained on data, which makes them especially good at pattern recognition. Tools like JAX use machine learning, a specific branch of AI, that gets smarter and more accurate over time. Another example of this is bank reconciliation in Xero, which learns your suppliers and transaction types, and makes better predictions for matches over time.
AI in accounting supports your advisor – it doesn’t replace them. You can set your AI agent to work on repetitive admin tasks, like bank reconciliation and creating invoices, so you have more time to strategise with your accountant or bookkeeper on tax planning, compliance, and growth. With AI tools helping you get the numbers right and providing accurate reports and projections, you and your advisor can use these as a baseline to build from.
AI in accounting supports your advisor – it doesn’t replace them. You can set your AI agent to work on repetitive admin tasks, like bank reconciliation and creating invoices, so you have more time to strategise with your accountant or bookkeeper on tax planning, compliance, and growth. With AI tools helping you get the numbers right and providing accurate reports and projections, you and your advisor can use these as a baseline to build from.
AI agents, or agentic AI, is designed to autonomously perform tasks (under your supervision). For example, you could request that an AI agent create an invoice for you for a specific customer, and it would respond with the drafted invoice. Compare this to a traditional software feature, where you would need to fill in the online invoice template yourself and email it to a client, and you can save hours on regular admin tasks.
AI agents, or agentic AI, is designed to autonomously perform tasks (under your supervision). For example, you could request that an AI agent create an invoice for you for a specific customer, and it would respond with the drafted invoice. Compare this to a traditional software feature, where you would need to fill in the online invoice template yourself and email it to a client, and you can save hours on regular admin tasks.
Artificial intelligence doesn’t have to be a costly investment. Lots of tools, including Generative AI programmes, let you test the waters with free trials and low-priced monthly subscriptions. Equally, you can access accounting AI tools through existing software subscriptions, like how Xero offers JAX. AI accounting software for small businesses is designed to be simple to use, with features built for the tasks you take care of regularly.
Artificial intelligence doesn’t have to be a costly investment. Lots of tools, including Generative AI programmes, let you test the waters with free trials and low-priced monthly subscriptions. Equally, you can access accounting AI tools through existing software subscriptions, like how Xero offers JAX. AI accounting software for small businesses is designed to be simple to use, with features built for the tasks you take care of regularly.
To really get the best out of accounting AI tools, you want them to be integrated with your existing business software, so that you don’t have to update separate systems with the same information. If you’re using Xero, JAX is embedded into the core business software, so data flows between features. JAX can use your accounting data in Xero to pull up cash flow projections, or make recommendations on how to improve your cash position.
To really get the best out of accounting AI tools, you want them to be integrated with your existing business software, so that you don’t have to update separate systems with the same information. If you’re using Xero, JAX is embedded into the core business software, so data flows between features. JAX can use your accounting data in Xero to pull up cash flow projections, or make recommendations on how to improve your cash position.
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.
Get one month free
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