Bank-first accounting for UK landlords + sole traders
Zero manual entry.
AI explanations you can review.
You keep control.
xontax turns your incoming bank transactions into reviewable accounting decisions. You can amend what does not fit before you file.
- Your raw bank data stays immutable
- AI explanations are clear and HMRC compliant
- Nothing is submitted without your approval
Bank statement lines
Source of truth (immutable)
Bank transfer
18/02/2026
-£420.00
Card purchase
19/02/2026
-£87.13
Card purchase
21/02/2026
-£24.50
AI explains itself
Needs attentionWhy this looks like a business expense
Review the suggestion and amend if anything doesn’t match your records.
Nothing is filed without your approval.
Built for review and control
HMRC MTD compliant
Built around Making Tax Digital workflows, with your review before anything is filed.
Bank-level encryption
Strong protection for your data in transit and at rest.
Never skip a deadline
Obligations and key dates surfaced early so you are not rushing at the last minute.
Understand what you owe and your options
Liabilities and next steps in plain language, so payment due dates are not a surprise.
MTD 2026 meets bank-first truth
Structured digital reporting lands for many sole traders and landlords from April 2026 - reviewing early beats a deadline scramble.
xontax anchors decisions to immutable bank lines: AI proposes with explanations; you verify before anything feeds your filing workflow.
- Uncertain items surface as checkpoints, not silent guesses
- Outputs stay traceable to the original bank input
- You stay in control of what progresses
How it works
Three steps from bank feed to reviewable decisions.
1. Connect bank
Statement lines arrive as immutable input - the source of truth for every decision.
2. AI categorises and explains
Readable reasoning, not a black box. What you reviewed shapes filing-ready structure.
3. Review or Override
You amend or override before anything progresses - final approval stays yours.
AI explains itself - you stay in final control
See what is suggested and why - then amend or override before it becomes part of your workflow.
- Bank-first source of truth: decisions trace to real statement lines
- Readable reasoning so you can verify quickly
More detail on How it works and MTD 2026.
Transaction review
“Matches similar supplier payments; HMRC guidance on mixed expenses considered.”
Quick answers before you start
Who is xontax for?
UK sole traders and landlords who want bank-first bookkeeping they can review, explain, and amend before MTD ITSA 2026 workflows.
Is xontax built for MTD 2026?
Yes. The workflow supports how you prepare and structure information for MTD ITSA 2026 with review steps so you stay in control.
Ready to connect your bank?
Calm, deadline-aware bookkeeping that helps you get ready earlier without losing human control.
Connect your bank, review AI explanations, amend when needed, and start your MTD workflow earlier.