Xero AI is accounting software with JAX (Just Ask Xero), an AI financial agent automating bank reconciliation, invoice processing, expense tracking, and forecasting. Xero AI features multi-platform access (desktop, mobile, WhatsApp, email) and integrates AI across Standard ($46/month) and Premium ($62/month) plans.

Key Features:

• JAX AI Agent - Conversational assistant across platforms


• Automated Reconciliation - Bank transaction matching


• Invoice Automation - Creation, sending, tracking


• Expense Management - Receipt capture and categorization


• Cash Flow Analysis - AI-powered financial insights


• Multi-Platform JAX - Desktop, mobile, WhatsApp, email access


• Compliance Automation - Stay regulation-compliant automatically


• Data Entry Reduction - Minimize manual work

Pricing:

Standard: $46/month (unlimited invoices, quotes, bills)

Premium: $62/month (multi-currency, advanced features)

AI features included across paid tiers

No separate AI add-on pricing

Platforms:

Web App, Desktop, iOS, Android, WhatsApp

Alternatives:

QuickBooks AI, FreshBooks, Zoho Books, Sage, Wave

Note: JAX announced Oct 2025 as next evolution. Small businesses pay for AI features within base subscription. Periodic price increases affect budgeting.