Straight answers for UK small business owners

UK small business owners who run a limited company, manage personal tax, or both; sole traders and landlords are supported too. Your limited company and your personal Self Assessment or trade are separate in the app: two sets of records, not one mixed view. A spouse or civil partner with their own tax return uses their own login when they use xontax.

Limited companies and personal tax for directors are first-class, plus sole traders and landlords. If you run a company, it has its own area in the app; your personal tax stays on the personal one.

For routine compliance — the annual return, the silence in between — probably not. The average UK accountant charges £1,000–£3,000 a year to file and wait. xontax gives you year-round visibility and surfaces what you might be missing. Keep expert help for decisions that genuinely need a qualified professional: complex cross-border situations, M&A, seven-figure structures.

Yes. Your bank feed leads; AI suggests with short reasons. You accept, change, or override on your own records.

xontax is launching soon. We are inviting users in controlled beta waves while we finalise onboarding.

Use the Join the beta CTA on this site. We will confirm your place on the waitlist and share early-access updates.

It means early-access priority, launch updates, and a chance to use xontax before general onboarding opens.

Launch is soon. We are focused on a high-quality rollout, so beta access is currently the way in.

Making Tax Digital for Income Tax pushes many sole traders and landlords toward regular digital records, not just a year-end pile. If you run a limited company, company VAT and books stay in the company area of the app while personal trade and property sit in personal tax. xontax helps you stay on top as you go, not in a panic.

Yes, for Income Tax MTD from April 2026 where it applies, and for building the records VAT needs on the limited company side. The app does not send anything on its own; see the beta banner on this page for HMRC sending in the product.

Not in the public beta yet. We are working on Income Tax and VAT paths in the app. When live filing launches, you will choose when to send. Until then, use your records here for review and prep only.

Yes. See each suggestion and reason, change what is wrong, then choose what goes forward.

No. In the public beta the app does not file to HMRC. When live filing is available, you will still confirm every send. The app never files for you on its own.

Dates and tasks surface in the app so you see what is due. You fix items as you go instead of rushing at the end.

The AI provides suggestions based on your bank input and explains its reasoning. You review and amend decisions, so accuracy is verified by you, not assumed.

If a suggestion doesn’t match your records, you can amend it. Everything still ties back to your original bank lines.

Yes. Change or override any suggestion before it affects your records or tax.

Yes. AI explanations are designed to be readable and focused on what was suggested and what you can change, so you can verify quickly.

Uncertain items and important decision points are surfaced as explicit review checkpoints. You can review the suggestion, read the explanation, and amend before approving.

The AI Accountant only answers when you ask. Replies can include things to verify yourself: short prompts to read against HMRC or gov.uk material, with links. They are not tax advice; you decide what to do.

Yes. Your bank lines come in first and stay fixed. Choices you make trace back to those lines.

Yes. Key choices stay tied to your bank input and stay changeable until you approve.

You see what was suggested and why. You can change it before it affects your records.

No. xontax is designed for visibility. You can see what was suggested, why it was suggested, and what you can change before approving.

Doing it all by hand in spreadsheets can be slow, and it is easy for data to drift when you patch things together later. xontax cuts repeat admin by keeping bank-first decisions you can review and change.

Yes. A compliance-only accountant typically charges £1,000–£3,000 a year to file your return and stay silent for eleven months. xontax is a fraction of that — and gives you proactive visibility all year. If you have a genuinely complex situation, keep the expensive adviser. For everything else, that retainer is probably not earning its keep.

Yes. Start with a 14-day free trial. Connect your bank, review AI suggestions, and decide before anything is charged.