Compare workflows
Bank-first review loop vs bookkeeping-led admin
FreeAgent supports small-business bookkeeping workflows. xontax adds an explainable, bank-first layer with review and amend checkpoints—built to support MTD 2026 preparation with clear accountability.
Reviewable decisions, not hidden steps
xontax keeps bank input as immutable reference and provides explanations you can verify before workflow progress.
This comparison stays category-level. It’s about how your bookkeeping decisions become reviewable, traceable, and deadline-aware for MTD 2026.
Who benefits from xontax’s approach
xontax suits sole traders and landlords who want control without full admin
If you want bank-first structure, explainable AI suggestions, and review/amend checkpoints designed to keep your workflow accountable for MTD 2026, xontax is built for that.
FreeAgent may be a fit when you prefer bookkeeping-led habits
FreeAgent supports traditional bookkeeping. xontax focuses on the review loop around bank transactions and on structuring reviewable workflow data for MTD-era preparation.
Key workflow differences
Why xontax may convert for this audience
Traceability stays clear
Raw bank input is preserved as an immutable reference for audit-friendly review.
AI explanations are designed for verification
You see what was suggested, why it was suggested, and what you can change.
MTD-era structure, not year-end scramble
The workflow is designed to support ongoing review checkpoints so deadlines feel manageable.
Want the bank-first review workflow?
Join the beta and review explainable suggestions with your own data before public onboarding opens.