xontax, explained
Bank-first with explainable AI. You review before anything moves on.
Your bank leads. AI gives short reasons. You fix what is wrong. If you run a limited company and personal Self Assessment or self-employment, each stays separate: its own money and tax view in the app, not one mixed record. When you ask the AI Accountant, replies include things to verify yourself with links, not tax advice.
By V. Cosma · Updated May 2026
Bank statement lines
From your bank (unchanged)
Bank transfer
18/02/2026
-£420.00
Card purchase
19/02/2026
-£87.13
Card purchase
21/02/2026
-£24.50
AI explains itself
Needs attentionWhy this looks like a business expense
Review the suggestion and amend if anything doesn’t match your records.
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.
Your accountant files. xontax watches.
The average UK accountant appears once a year, does the minimum, and disappears. No real-time visibility. No proactive advice. No idea whether you are leaving money on the table.
xontax keeps your bank transactions visible all year. The AI Accountant surfaces patterns, allowances, and reliefs — linked to the HMRC source — before the moment passes. The bookkeeping automation makes the numbers trustworthy. That is the infrastructure. The product is the visibility.
The question the average accountant never asks
"Are you leaving money on the table?" xontax gives you the tools to answer it yourself, year-round.
A step-by-step workflow
Connect your bank
Real money in and out lands in xontax first.
Lines stay fixed
Your statement lines do not change behind your back; every choice ties back to them.
AI sorts and reads receipts
Categories and receipt hints come with short reasons you can check.
Unclear items pop up
If something needs a human call, we flag it; no silent guesses.
You review when needed
Accept, change, or override so your records match what really happened.
Tax numbers get ready
From what you approved, xontax lines up what you need for limited company VAT and records and for personal Self Assessment or self-employment, where we support it.
Filing to HMRC (in development)
Live filing is not in the public beta yet. When it launches, nothing will post without your confirmation.
Every suggestion has a reason
You always see what was suggested, why, and what you can change before your records change.
Review and amend before you rely on figures
Nothing reaches HMRC without your sign-off. Every change stays linked to your bank data.
Plain-language reasons
Unsure items show up for you to fix
Change or override before tax is affected
A clear line from bank line to category
The core message
AI explains itself. You decide what goes forward.
Transaction review
“Matches similar supplier payments; HMRC guidance on mixed expenses considered.”
Why your bank comes first
Your bank is the starting point. Lines stay fixed; categories and notes sit on top so nothing quietly rewrites history.
Bank lines stay intact
What arrived from the bank stays what you can point at later.
Choices stay visible
Each match comes with a reason you can check or undo.
Less drift
Less retyping means fewer mistakes piling up.
Tax prep stays calm and visible
Deadlines and tasks show in the app. Numbers build from what you already approved. The beta banner on this page covers sending returns to HMRC from the app.
Due dates you can see early
Returns build from reviewed choices
Nothing is “submitted” without you
Steady through the year, not just December panic
We line it up. You press send.
Nothing is submitted without your explicit steps in the app.
Filing workflow
Prepared, reviewable, and deadline-aware
xontax prepares the data from your reviewed decisions. You approve the final step.
xontax maps your review decisions into filing-ready structure.
Uncertain items are surfaced so you can confirm what should be used.
Once you approve, the outcome becomes part of your submission workflow.
You can see what’s coming up, so you’re not scrambling at the last moment.
Ready to try it?
Connect your bank, review AI explanations, amend when needed
Get ahead of Making Tax Digital for Income Tax (April 2026 for many) without losing control.
Bank truth first, plain AI reasons, you on the send button.