Compare workflows

Start from your bank, not an empty accounts screen

Xero suits you when you already post entries yourself. xontax sorts real bank lines first, shows short AI reasons you can change, and when you ask the AI Accountant you get things to verify yourself with source links, so you stay in charge before tax deadlines.

By V. Cosma · Updated May 2026

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Connect Xero in xontax to pull historic journals; QuickBooks, FreeAgent, and Sage import is on the roadmap. See the banner below for HMRC sending in beta.

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.

Fair comparison: both can work. This is about whether you want bank-first sorting and plain-language review, or a classic habit of posting to your accounts first that you already run.

Who each one is best suited for

xontax fits limited company owners and personal tax who want less admin and a clear review loop

Bank lines in first, short reasons, easy fixes, and calm prep for April 2026. A limited company is a separate business in the app from your personal Self Assessment or trade. Switch when you work on the other. We do not merge their tax.

Xero may fit if you already post to your accounts every week

Strong when your team posts entries every week and you like that rhythm. xontax is aimed at owners who want the bank feed to do more of the sorting.

Key workflow differences

What it replaces

The reactive, compliance-only accountant who files and disappears

Paper and spreadsheets

System of record

Bank transactions + reviewable matching

Account entries once you have posted them

Explainable layer

AI suggestions with readable reasoning

Manual decisions based on mapped entries

Ideas to save money

Things to verify yourself with links to read (not tax advice); you decide

You hunt for savings in reports or with your adviser

Review / amend loop

You fix categories before numbers roll forward

Review depends on your process

Existing bookkeeping history

Connect Xero for historic journals including limited company books (app-derived cutover in Settings); QuickBooks, FreeAgent, Sage coming soon

History stays in that product unless you migrate or export

Filing readiness

Get your numbers ready for tax; in-app send where we support it

Recordkeeping; preparation varies by workflow

Tax visibility

See likely tax impact in the app (where the product can show it)

More record-centric than tax visibility-first

Why xontax may convert better for your situation

Decisions stay traceable

Every suggestion ties back to a real bank line you can open and check.

AI is explainable, not black-box

Short reasons and clear yes/no fixes; no mystery clicks.

Calm before deadlines

Little-and-often review beats a March scramble.

Want the bank-first review workflow with your own data?

Join the beta, review explainable suggestions early, and be first in line for launch access.

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