Xero

Snap, upload, sorted

Xero's smart document capture automatically reads the details from receipts and invoices when you snap a photo on your phone, upload from your laptop, or email straight to Xero. It fills in the data automatically, so you never have to do manual data entry.

Goodbye admin. Accurate records, organised automatically and ready for your HMRC reporting.

Meet JAX, your AI superagent

JAX is Xero's AI superagent that automates tasks, spots real-time insights, and does the boring bits brilliantly. You can get answers to your business questions with access to real-time public information, and automate tasks like invoicing and sending quotes through Xero, WhatsApp, SMS, and email.

Explore your cash flow, profit trends, and financial health with instant, easy-to-understand answers.

Everything connected. Nothing complicated.

Xero brings invoicing, VAT, payroll, and reporting together in one easy-to-use platform. It is an HMRC recognised software provider for Making Tax Digital (MTD), trusted by millions, and 100% HMRC compliant.

Get MTD-ready and hassle-free tax compliance, with accurate records organised automatically.

Get paid 2x faster

Simply switch on online invoice payments to accept card or direct debit through Stripe and GoCardless. Xero customers who use online invoice payments get paid twice as fast as those who don't.

Get paid faster and sleep 4x better, with seamless payment acceptance built into your invoicing.

Forecast with clarity

Depending on your plan, Xero offers cash flow forecasts ranging from 30 days up to 180 days. Visualise performance with graphs, customise dashboards, and analyse KPIs and ratios to benchmark against the industry.

Gain real-time financial insights and make informed decisions with clear, forward-looking forecasts.

Manage payroll and expenses seamlessly

Xero's plans include payroll for up to 10 people (depending on plan), with options to add more. You can also claim expenses and mileage for up to 10 users, and make online bill and payroll payments domestically.

Streamline your payroll and expense management, saving time and reducing errors.

• HMRC-recognised and MTD-compliantXero is an HMRC-recognised software provider for Making Tax Digital, trusted by millions. It helps you keep digital records and submit VAT returns directly to HMRC.
• AI-powered automation with JAXJAX, Xero's AI superagent, automates tasks like invoicing and quoting, provides real-time insights, and answers questions about cash flow, profit trends, and financial health. It's included in your plan.
• Smart document captureSnap a photo of a receipt or invoice, upload it, and Xero automatically reads the details and fills in the data. No manual data entry needed, and records are ready for HMRC reporting.
• Trusted by 5 million customersXero is used by 5 million customers worldwide and is built for the way UK businesses work. It brings invoicing, VAT, payroll, and reporting together in one easy-to-use platform.

• Pricing and promotionsXero offers a promotion of 80% off your plan for the first 6 months, or one month free if you want to try before you buy. Prices shown are excl. VAT and vary by plan (e.g., Ignite at £3.20/month for first 6 months, then £16/month; Ultimate at £13/month for first 6 months, then £65/month).
• Online payment integrationsXero states you can get paid up to 2x faster by accepting online invoice payments through Stripe and GoCardless. However, specific fees or availability for all plans are not detailed on this page.
• Plan features and limitsFeatures vary by plan. For example, the Ignite plan includes 20 invoices, 10 bills, and domestic online bill/payroll payments at £0.20 per payment. The Ultimate plan includes payroll for 10 people, 180-day cash flow forecast, and multi-currency. Always check the full plan details before purchasing.
• Integrations and add-onsXero integrates with 1000+ apps once you sign up, but not all integrations may be available on all plans. Some features, like international online bill payments, are optional add-ons. Verify compatibility with your plan.

Automate Invoice & Quote Management

Xero lets you send quotes and invoices directly from the platform, with smart document capture that reads receipt and invoice details automatically. You can also send quotes through WhatsApp, SMS, and email, and automate invoicing tasks to reduce manual admin.

Streamline VAT & MTD Compliance

Xero is an HMRC recognised software provider for Making Tax Digital (MTD), offering 100% HMRC compliant software. You can submit VAT returns directly to HMRC, automate subcontractor CIS calculations and reports, and keep accurate records ready for HMRC reporting.

Get Paid Faster with Online Payments

By switching on online invoice payments, you can accept card or direct debit payments through Stripe and GoCardless. Xero customers who use online invoice payments get paid twice as fast as those who don't, helping you improve cash flow and reduce the time spent chasing payments.

Gain Real-Time Financial Insights with AI

Xero's AI superagent, JAX, automates tasks, spots real-time insights, and provides instant answers to business questions about cash flow, profit trends, and financial health. You can also access real-time reports, customisable dashboards, and cash flow forecasts to make informed decisions.

Define the exact aI Finance & Trading Tools workflow Xero should support.

Compare it with closely related AI tools in the same category before committing.

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