AI agents for Xero
A Monmo agent does the routine bookkeeping in Xero the way a careful bookkeeper would. It suggests matches for bank lines, codes expenses from receipts, drafts reminders for overdue invoices and writes the month-end report. It uses your own Xero login and asks before it creates or changes anything. It does not file taxes or give accounting advice.
Updated 2026-11-13 · Free to start. Paid plans from $15 a month.
What agents do in Xero
Suggest matches for bank lines
Each morning the agent reads the unreconciled statement lines, finds the invoice, bill or receipt that fits each one and proposes the match and account code. You approve the batch; lines it cannot explain are set aside.
AskEvery weekday at 8, go through the unreconciled lines in the business account and suggest a match for each.
Code expenses from receipts
It reads receipts and supplier invoices from your inbox or a Drive folder, picks the account and tax rate from how you coded that supplier before, and prepares the bills for approval. Anything it is unsure about is flagged.
AskCode the receipts in the October folder as bills and show me any where you were unsure of the account.
Chase overdue invoices
It reads the aged receivables report and drafts a reminder for each invoice 7, 14 or 30 days overdue, naming the invoice number and the amount. The reminders go out after one approval, and replies come back to you.
AskEvery Tuesday at 9, draft reminders for invoices more than 7 days overdue and ask me before any of them is sent.
Write the month-end report
On the third working day it pulls the profit and loss, the balance sheet and aged payables, compares them with last month and the budget, and writes one page on what moved and why.
AskOn the 3rd of each month, send me a one-page summary of last month's profit and loss against budget.
Prepare the week's bills to pay
It lists the bills due this week with supplier, amount and due date, checks each against the order or the email that approved it, and gives you the payment list. Paying them stays your decision and a separate approval.
AskEvery Thursday, list the bills due in the next seven days and flag any that have no matching order.
Raise invoices from a timesheet
From hours in a sheet, a signed quote or a list of orders, it prepares invoices with the contact, line items, tax rate and due date. Nothing is created or sent in Xero until you approve the batch.
AskPrepare October's invoices from the hours in the Timesheets sheet, one per client, and show me before saving.
Catch mistakes before your accountant does
It looks for duplicate bills, entries coded to an unusual account, tax rates that do not fit the supplier and figures that changed in a closed period, and lists each with the evidence and a suggested fix.
AskCheck October for duplicate bills and unusual codings before I send the file to our accountant.
Answer a question from the ledger
Ask what you spent on software last quarter or which customer owes the most. The agent runs the report in Xero, checks the total and answers with the figure and the report it came from.
AskHow much did we spend on software subscriptions last quarter, by supplier?
How it connects
- 1You connect your own Xero login once and pick the organisation. The agent works with that user's role, so a read-only or limited user keeps it limited.
- 2You decide which agent sees the books. Usually that is one finance agent, not the whole team.
- 3Reading transactions and running reports need no approval. Reconciling a line, creating or editing an invoice, bill or contact, and sending a reminder ask first, and one card can cover a batch.
More in Accounting and payments
Other apps of this kind that agents work in, each with its own page.
Watch it work
A sample replay with example data, sped up. Pause it, scrub through it, or take the mouse yourself.
On screen
Xero
Gmail
Google Sheets
Pick a job. Watch it get done.
- Why
- Your weekday bookkeeping routine.
- Where
- Fieldwork in Xero · business account
- What to expect
- Marks 18 lines reconciled. The 2 odd lines are left for you, and no reminder is sent.
Your team. Connected to everything.
Cash and receivables — week 7+Sample replays with fictional data, sped up. Pause one, scrub through it, or take the mouse yourself.
Questions people ask
Can an AI agent do bookkeeping in Xero?
Yes, the routine part. A Monmo agent matches bank lines to invoices and bills, codes expenses, chases overdue invoices and prepares month-end reports in Xero. Each entry waits for your approval, and unclear items are set aside for you. Judgement calls, tax decisions and the final review stay with you or your accountant.
Can an AI agent reconcile bank transactions in Xero?
The agent suggests the match and you confirm it. For each statement line it finds the invoice, bill or receipt with the same amount and date, proposes the account code, and explains its reasoning in a line. You approve the sure ones together and look at the rest one by one.
Can an AI agent file my tax return, BAS or VAT from Xero?
No, filing is not something the agent does. It does not submit returns to a tax authority and does not give tax or accounting advice. It prepares what the person who files needs: reconciled accounts, the reports for the period and a list of questions it could not settle. Filing and the decisions behind it stay with you and a qualified accountant.
Is it safe to give an AI agent access to Xero?
A Monmo agent signs in as the Xero user you connect, so that user's role sets the limit; a read-only or invoice-only user keeps the agent to the same. Looking at transactions and reports needs no approval. Any entry it would create or change is shown to you first. It works through the Xero connection, or in Xero in its own browser when the connection does not cover a screen.