The AI Accountant for UK limited companies, personal tax, and small business owners
Still paying an accountant who only shows up once a year?
Stop guessing on tax.
I'm your AI Accountant. Get year-round answers to the questions your accountant never has time for: ask about salary vs dividends, expenses, allowances or MTD. General guidance only here: join xontax to connect your bank and get answers tied to your real situation, with sources to verify. Not regulated tax advice.
Start here
No sign-up needed. Join xontax for your full tax picture.
- Your bank data stays fixed; no silent edits
- AI explains itself in plain English
- Bring Xero history across from Settings when you connect (QuickBooks, FreeAgent, and Sage coming soon)
Public beta: no live filing to HMRC yet
xontax is in development. You can connect your bank, review categories, and use AI suggestions. Sending tax returns to HMRC is not available yet, but we are working on it.
Please share as much feedback as you can to help us make xontax better.
Built for review and control
HMRC MTD aligned
Built with Making Tax Digital in mind. You review categories and figures before anything is sent.
Bank-level encryption
Strong protection for your data in transit and at rest.
AI sorts lines; you ask for sources
Categories and short reasons you can change. Open the AI Accountant when you want a question answered with things to verify yourself and official links, always with you approving the next step.
Understand what you owe and your options
Liabilities and next steps in plain language, so payment due dates are not a surprise.
Switching from Xero, QuickBooks, FreeAgent, or Sage
You do not start from nothing. Connect Xero in xontax to pull historic journals, including limited company books where you link that org, using a cutover date the app derives and shows in Settings, so older periods stay traceable next to new bank-fed activity. Connected import from QuickBooks, FreeAgent, and Sage is on the roadmap.
FAQ on switching and import · Compare Xero · Compare FreeAgent · Compare QuickBooks · Compare Sage
MTD 2026 meets bank-first truth
April 2026 brings new Making Tax Digital rules for many sole traders and landlords. Limited company owners get the same bank-first discipline for company money and VAT, with personal tax in a separate view. Everyone gains from reviewing bank lines early instead of scrambling at the deadline.
xontax ties every choice to your bank lines: AI suggests with reasons; you check before anything heads toward tax.
- Uncertain items surface as checkpoints, not silent guesses
- Outputs stay traceable to the original bank input
- You stay in control of what happens next
How it works
Three steps from bank feed to reviewable decisions.
1. Connect bank
Your real bank lines come in first. Every suggestion ties back to what actually moved.
2. AI categorises and explains
Plain reasons you can read. What you accept shapes your figures.
3. Review or override
Change anything that does not fit. You say what moves forward.
AI explains itself - you stay in final control
See what is suggested and why, then change it before it sticks.
- Every decision traces to a real bank line
- Short, readable reasons so you can verify fast
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 small business owners: limited companies and personal tax for directors first, then sole traders and landlords. Your limited company and your personal trade or Self Assessment stay in separate views; you switch between them; we do not mix their tax in one view. A spouse or civil partner with their own tax return or shareholding is a separate person in the app; check structures with your adviser.
Is xontax built for MTD 2026?
Yes: Income Tax MTD for many sole traders and landlords from April 2026, and we align with Making Tax Digital thinking for company VAT and records too. Sending returns to HMRC from the app is not in the public beta yet; you still approve every step in the product.
Year-round visibility. No surprise tax bills.
Your bank lines come in. AI explains what it categorised and why. You check, approve, or change. Deadlines land without the scramble.
Join the beta to try it with your own transactions.