Why xontax
Stop paying for last year's answers.
Your accountant waits to be asked. By the time you ask, the moment has usually passed. xontax keeps your transactions visible year-round and surfaces what might matter — allowances, reliefs, patterns — linked to the HMRC source so you can read it yourself. Not unsolicited advice. Not a black box.
By V. Cosma · Updated May 2026
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.
Nobody told you because nobody thought to check.
A friend mentions a tax relief you'd never heard of. You ask your accountant. They say: "Oh yes, we can claim that." They knew. They just didn't tell you.
You're paying someone to wait for your questions.
xontax watches your transactions as they happen and surfaces information worth knowing - allowances, reliefs, patterns - linked directly to the HMRC source so you can read it yourself. Not advice. The information your accountant had and didn't surface, delivered while you can still use it.
How it works.
- Connect your bank. New transactions appear automatically through a secure bank connection. Nothing to type in by hand.
- AI categorises everything. Routine transactions are handled instantly. Anything uncertain surfaces for your review.
- xontax flags what's worth reading. When a pattern in your spending matches HMRC's published guidance on allowances or reliefs, we surface it with a link to the source.
- You decide what to do with it. Nothing changes in your records until you act. You stay in control.
Information, not a black box.
xontax monitors your transactions and checks patterns against HMRC's published guidance. When something might matter, you see it: what it is, why it's relevant, and where to read the official rules.
You keep the cash. You stay legally responsible. We just make sure you're not the last to know.
xontax surfaces information for your review. It is not regulated tax advice. You remain responsible for all submissions to HMRC.
Not another bookkeeping app.
Every other tool on this list is built to help your accountant do their job. xontax is built to make the accountant optional.
| Traditional accountant | Xero / QuickBooks / FreeAgent | xontax | |
|---|---|---|---|
| When you find out | After the year closes | When you log in and look | Automatically, as it happens |
| Who does the research | You ask, they confirm | Nobody | xontax, against HMRC's own guidance |
| Filing | Manual, billable | Needs an accountant on top | In development: quarterly digital filing with HMRC (not in public beta yet) |
| Cost | £800-£3,000/yr | £30-£60/mo plus accountant fees | From £10/month — see pricing |
| Who is in control | Your accountant | You, with a lot of manual effort | You, with AI doing the work |
Already using Xero, FreeAgent, QuickBooks, or Sage?
You don't start from zero. When you connect Xero, xontax imports past entries from your old books using a handover date we work out for you. Older periods stay traceable alongside new activity straight from your bank.
QuickBooks, FreeAgent, and Sage import are on the roadmap.
How switching works · xontax vs Xero · xontax vs FreeAgent · xontax vs QuickBooks · xontax vs Sage
We are not another bookkeeping app. We are here to make accountants optional.
Making Tax Digital is here.
From April 2026, sole traders earning above £50,000 must file quarterly with HMRC using compatible software. xontax is built for this. Not bolted on after the fact.
If you run a limited company, Income Tax MTD is about your personal trade and property records; company VAT and books stay in the limited company area of the app. See How it works for both pockets.
Check if Making Tax Digital applies to youStop paying for last year's answers.
xontax is a financial information and record-keeping tool. AI categorisations and pattern flags are for your review and are not regulated tax advice. You remain legally responsible for all submissions to HMRC.