AI accounting software for UK small businesses
JAX is your AI finance partner, the Xero AI built on 20 years of trusted UK small business data. It works like an AI accountant for your day-to-day admin: it automates your books, keeps you HMRC-ready, and gives you a live view of cash flow and VAT. Everything it automates is yours to review.
Plans to suit your business
Ignite
for the first 6 months
Then £16 per month
An easy financial foundation - track cash flow with the essentials.
- Send quotes and 20 invoices†
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile transactions (optional)
- Auto-reconcile transactions (optional)
- Smart document capture
- View real-time reports
- Enter 10 bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for £0.20 per payment††
- Payroll for £1.50 per person
- 30 day cash flow forecast
- Visualise performance with basic graphs
Grow
for the first 6 months
Then £37 per month
Go beyond the basics - automate tasks and access performance dashboards.
- Send invoices and quotes
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 5 payments
- Payroll for 1 person
- 60 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 1 user
Comprehensive
for the first 6 months
Then £50 per month
Optimise profitability - tailor your insights for greater control.
- Send invoices and quotes
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 10 payments
- Payroll for 5 people
- 90 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 5 users
- Use multiple currencies
- Tailored financial health scorecards
- Make online bill payments (International) - Optional add-on
Ultimate
for the first 6 months
Then £65 per month
Future proof your scaling business - with advanced tools and analytics.
- Send invoices and quotes
- Accept online invoice payments^
- MTD for Income Tax ready
- Reconcile transactions
- Auto-reconcile transactions (Beta)
- Smart document capture
- View real-time reports
- Automate bill entry and track bills
- Submit VAT returns to HMRC
- Automate subcontractor CIS calculations and reports
- Make online bill and payroll payments (domestic) for up to 15 payments
- Payroll for 10 people
- 180 day cash flow forecast
- Visualise performance with graphs
- Customise performance dashboards
- Claim expenses and mileage for 10 users
- Use multiple currencies
- Tailored financial health scorecards
- Make online bill payments (International) - Optional add-on
- Track time and costs for projects for 10 users
- Analyse KPIs and ratios
- Benchmark against the industry
Intelligent automation, with you in control
Hand JAX the day-to-day financial work: capturing bills and receipts, sending invoices, and reconciling transactions.
Win back 22+ hours a month
Automated bank reconciliation hands routine matching to JAX, freeing time for work that grows your business.
Get 97% reconciliation accuracy
JAX matches and reconciles your transactions automatically, so your books are ready at VAT-return time.
HMRC-ready records
Every action is logged in a full audit trail, so your records are ready whenever HMRC needs them.
Automate the admin that slows you down
Connect Xero with the tools you already use, like Claude and Excel, and JAX captures bills, reconciles transactions, and keeps your books current. Scale without the manual overhead, with each automated action visible, logged, and open to your review at any time.
Automatic bank reconciliation
JAX reconciles your transactions at 97% accuracy, so there are fewer errors to fix and cleaner books at VAT return time.
See every invoice at a glance
Create and send invoices from Xero, then watch their status in one place, so you always know who has paid and who has not.
Document capture
Snap receipts, email bills, or upload documents, and JAX reads, extracts, and files them in your books automatically.
Ask JAX in plain language, get clear answers
Get a live view of cash flow, payroll, invoices, and bills in one place. Ask JAX a question in plain language, like whether you're on track for MTD, and get a straight answer based on your Xero data – not last month's report. 88% of customers say it sharpens how clearly they see their finances.
MTD and VAT always current
JAX keeps your MTD records up to date as you go, so you file every submission confident in your numbers.
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AI accounting that keeps you MTD-ready
Making Tax Digital is more than a box to tick – it's a chance to automate your record-keeping. JAX keeps your books HMRC-ready year round, categorising transactions so your records meet MTD for Income Tax Self Assessment. Every change is recorded, so you can see what was done and why.
Xero AI – built on trust
Accountable Intelligence™ means JAX shows its reasoning at every step, and everything it automates can be reviewed and audited. It's built on 20 years of UK small-business data and protected by multiple layers of security.
- Backed by JAX Assure, which verifies every answer
- Protected by multiple layers of security, including SOC 2 Type II and ISO 27001
- Review and audit any automated action
- A full audit trail, ready for HMRC
- Grounded in two decades of trusted small-business data
- Trusted by over 2 million businesses worldwide
Common questions about AI in accounting
AI in accounting uses artificial intelligence to automate routine work, like bank reconciliation and receipt capture, to reveal clear insights from your financial data. In Xero, that accounting AI is JAX, which works inside your existing Xero account. Everything it automates is recorded, so you can review any action it has taken.
AI in accounting uses artificial intelligence to automate routine work, like bank reconciliation and receipt capture, to reveal clear insights from your financial data. In Xero, that accounting AI is JAX, which works inside your existing Xero account. Everything it automates is recorded, so you can review any action it has taken.
JAX keeps your records HMRC-ready as you go. When it categorises and reconciles your transactions, your MTD records update with them, so the figures are always up to date – no need to rush them together before a submission.
Xero also keeps a full audit trail, so you, not the AI, make the final call on what you file. That means you stay confident in your numbers.
JAX keeps your records HMRC-ready as you go. When it categorises and reconciles your transactions, your MTD records update with them, so the figures are always up to date – no need to rush them together before a submission.
Xero also keeps a full audit trail, so you, not the AI, make the final call on what you file. That means you stay confident in your numbers.
Yes. With Accountable Intelligence™, JAX shows its reasoning for the actions it takes, and JAX Assure verifies every answer.
Xero also protects your data with multiple layers of security, including SOC 2 Type II and ISO 27001 certification, and keeps a full audit trail of every action for you to review.
Yes. With Accountable Intelligence™, JAX shows its reasoning for the actions it takes, and JAX Assure verifies every answer.
Xero also protects your data with multiple layers of security, including SOC 2 Type II and ISO 27001 certification, and keeps a full audit trail of every action for you to review.
Absolutely. JAX continuously reviews client books to reveal insights and flag issues before clients ask, so you walk into every meeting ready to advise, not just report.
Xero gets great reports, too: 93% of accountants using Xero say it saves time on manual data entry, and 92% say it makes client collaboration easier. And human judgement stays central, because you can check anything the AI has done.
Absolutely. JAX continuously reviews client books to reveal insights and flag issues before clients ask, so you walk into every meeting ready to advise, not just report.
Xero gets great reports, too: 93% of accountants using Xero say it saves time on manual data entry, and 92% say it makes client collaboration easier. And human judgement stays central, because you can check anything the AI has done.
Xero's AI for accounting, JAX, is built into the platform rather than added on afterwards, so it works from your live Xero data and is shaped around UK compliance like MTD and VAT.
Because JAX learns from real small business activity, it can reconcile faster and answer in plain language. And every step JAX takes is recorded in an audit trail, so you stay in control.
Xero's AI for accounting, JAX, is built into the platform rather than added on afterwards, so it works from your live Xero data and is shaped around UK compliance like MTD and VAT.
Because JAX learns from real small business activity, it can reconcile faster and answer in plain language. And every step JAX takes is recorded in an audit trail, so you stay in control.
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.