Limited time only
90% off your plan for your first 6 months

Offer ends 30 June 2026. Terms apply

Jotika P. Teli, CPA

Jotika is dedicated to providing tax and accounting services to clients. Her focus is on tax preparation for individuals. She also has experience with bookkeeping and tax preparation for businesses and nonprofit organizations. Her goal is to simplify tax and accounting rules.

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Read Jotika's articles for Xero

Planning your exit from your business requires careful strategy and timing. Learn the 9 key steps to maximize value.

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Planning your exit from your business requires careful strategy and timing. Learn the 9 key steps to maximize value.

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IR35 rules determine whether you're inside or outside for tax purposes. Learn what this means for your contracting work and compliance.

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IR35 rules determine whether you're inside or outside for tax purposes. Learn what this means for your contracting work and compliance.

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UTR numbers are essential for tax compliance and business operations. Learn what they are and how to get yours.

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UTR numbers are essential for tax compliance and business operations. Learn what they are and how to get yours.

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Market research helps you understand customers, competitors, and industry trends to make smarter business decisions.

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Market research helps you understand customers, competitors, and industry trends to make smarter business decisions.

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R&D tax credits can reduce your tax bill and boost cash flow. Learn what qualifies and how to claim them.

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R&D tax credits can reduce your tax bill and boost cash flow. Learn what qualifies and how to claim them.

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Selling your business involves valuation, legal requirements, and finding a buyer. Learn steps to maximize value.

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Selling your business involves valuation, legal requirements, and finding a buyer. Learn steps to maximize value.

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Getting a start up loan can fuel your business growth and cover essential expenses. Learn how to secure funding.

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Getting a start up loan can fuel your business growth and cover essential expenses. Learn how to secure funding.

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Getting a business loan requires preparing and understanding the application process. Learn the steps to secure funding.

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Getting a business loan requires preparing and understanding the application process. Learn the steps to secure funding.

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Angel investment provides crucial funding and expertise to help your business grow faster and reach new markets.

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Angel investment provides crucial funding and expertise to help your business grow faster and reach new markets.

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A business proposal helps you win new clients and secure funding. Learn how to write one that gets results.

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A business proposal helps you win new clients and secure funding. Learn how to write one that gets results.

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Starting an Airbnb business can generate passive income and help you capitalize on the sharing economy.

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Starting an Airbnb business can generate passive income and help you capitalize on the sharing economy.

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High employee turnover costs businesses time and money. Learn how to build a retention strategy that keeps your people.

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High employee turnover costs businesses time and money. Learn how to build a retention strategy that keeps your people.

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Debits and credits form the foundation of double entry bookkeeping. Learn how they work together.

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Debits and credits form the foundation of double entry bookkeeping. Learn how they work together.

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A business line of credit gives you flexible access to funds when you need them. Learn how it works.

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A business line of credit gives you flexible access to funds when you need them. Learn how it works.

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Market research helps you understand your customers, competitors, and industry trends.

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Market research helps you understand your customers, competitors, and industry trends.

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Finding the right business ideas can transform your dreams into profitable ventures that match your skills and needs.

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Finding the right business ideas can transform your dreams into profitable ventures that match your skills and needs.

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Construction accounting tracks project costs, manages cash flow, and handles unique challenges like costing and billing.

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Construction accounting tracks project costs, manages cash flow, and handles unique challenges like costing and billing.

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Understanding gross pay versus net pay helps you manage payroll costs, employee expectations, and tax obligations accurately.

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Understanding gross pay versus net pay helps you manage payroll costs, employee expectations, and tax obligations accurately.

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Starting a small business can transform your financial future, but choosing the right idea makes all the difference.

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Starting a small business can transform your financial future, but choosing the right idea makes all the difference.

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Deciding when to give a pay raise affects employee retention, motivation, and your bottom line.

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Deciding when to give a pay raise affects employee retention, motivation, and your bottom line.

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The construction industry scheme helps contractors and subcontractors manage tax deductions properly.

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The construction industry scheme helps contractors and subcontractors manage tax deductions properly.

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Discover free business advertising tactics that drive results without draining your budget.

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Discover free business advertising tactics that drive results without draining your budget.

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Payroll outsourcing saves time and reduces errors. Learn how it works and what to consider.

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Payroll outsourcing saves time and reduces errors. Learn how it works and what to consider.

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Starting a business involves expenses, from legal to equipment fees. Learn what to budget for and how to minimize costs.

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Starting a business involves expenses, from legal to equipment fees. Learn what to budget for and how to minimize costs.

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Getting payroll compliance right from day one protects your business and sets new hires up for success.

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Getting payroll compliance right from day one protects your business and sets new hires up for success.

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Pay your bills at no extra cost

Free standard ACH bill payments are now included in Xero business plans.*

Early

Usually $25

Now $2.50

USD per month

Save $135 over 6 months

An easy financial foundation - track cash flow with the essentials.

  • Included
    Send quotes and 20 invoices†
  • Included
    Accept online invoice payments^
  • Included
    5 bills
  • Included
    Reconcile bank transactions
  • Included
    Smart Document Capture
  • Included
    View real-time reports
  • Included
    W-9 + 1099 management
  • Included
    Sales tax
  • Included
    Visualize performance with basic graphs
  • Included
    30 day cash flow forecast
  • Included
    Make online bill payments†† (Free ACH)

Growing

Usually $55

Now $5.50

USD per month

Save $297 over 6 months

Go beyond the basics - automate tasks and access performance dashboards.

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    Automate bill entry and track bills
  • Included
    Auto-reconcile bank transactions (Beta)
  • Included
    Smart Document Capture
  • Included
    View real-time reports
  • Included
    W-9 + 1099 management
  • Included
    Sales tax
  • Included
    Visualize performance with graphs
  • Included
    60 day cash flow forecast
  • Included
    Make online bill payments†† (Free ACH)
  • Included
    Customize performance dashboards
  • Included
    Tailored financial health scorecards

Forecast with clarity

Forecast with clarity

Established

Usually $90

Now $9

USD per month

Save $486 over 6 months

Future proof your scaling business - with advanced tools and analytics.

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    Automate bill entry and track bills
  • Included
    Auto-reconcile bank transactions (Beta)
  • Included
    Smart Document Capture
  • Included
    View real-time reports
  • Included
    W-9 + 1099 management
  • Included
    Sales tax
  • Included
    Visualize performance with graphs
  • Included
    180 day cash flow forecast
  • Included
    Make online bill payments†† (Free ACH)
  • Included
    Customize performance dashboards
  • Included
    Tailored financial health scorecards
  • Included
    Analyze KPIs and ratios
  • Included
    Use multiple currencies
  • Included
    Track time and costs for projects
  • Included
    Employee expense and mileage claims
  • Included
    Benchmark against the industry

Get one month free

Purchase any Xero plan, and we will give you the first month free.

*Fees apply for other payment methods.