Xero MCP. Analyze financial statements and transaction history instantly.
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Xero MCP Server lets your AI agent manage complex business finances via chat. Get real-time P&L reports, verify bank transactions, track invoice status, and pull balance sheet data—all by asking questions instead of clicking through dashboards.
What your AI agents can do
Get balance sheet
Pulls the company's Balance Sheet report, showing totals for assets, liabilities, and equity for a specific date.
Get invoice details
Retrieves all line items and full information for one single Xero invoice.
Get organisation info
Gathers high-level setup details about the company, like its base currency or legal name.
Pull immediate Balance Sheet and Profit and Loss reports for specific dates or periods.
List all raw bank transactions and track payments applied to invoices against your records.
Retrieve specific invoice details, or list the full contact database for customers and suppliers.
Browse the chart of accounts to confirm correct codes and types (e.g., Bank vs. Expense) before use.
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Xero MCP Server: 9 Tools for Financial Data Retrieval
Use these nine tools to retrieve everything from high-level profit reports down to individual line items on specific invoices. Your agent handles the data plumbing.
019d7625get balance sheet
Pulls the company's Balance Sheet report, showing totals for assets, liabilities, and equity for a specific date.
019d7625get invoice details
Retrieves all line items and full information for one single Xero invoice.
019d7625get organisation info
Gathers high-level setup details about the company, like its base currency or legal name.
019d7625get profit and loss
Generates a Profit and Loss (PnL) report summarizing revenue minus expenses for a defined date range.
019d7625list bank transactions
Lists every transaction recorded in the linked bank accounts, providing raw cash flow data.
019d7625list chart of accounts
Provides a list of all general ledger accounts available in Xero, including their type and code.
019d7625list xero contacts
Lists every customer and supplier ID registered across the entire Xero organization.
019d7625list xero invoices
Lists all sales and purchase invoices that exist in your Xero account, regardless of payment status.
019d7625list xero payments
Shows a list of every payment made or applied to an invoice within the system.
Choose How to Get Started
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Make Your AI Do More
Start with Xero, then connect any of our 4,700+ other servers whenever your AI needs more. One click, no limits.
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What you can do with this MCP connector
This Xero MCP Server lets your AI agent handle complex business finances through chat commands. You don't gotta click through a mountain of dashboards just to find a number; you ask the question, and it gives you the data.
Core Financial Statements
Need to know where the company stands? You can pull immediate Balance Sheet reports using get_balance_sheet, showing totals for assets, liabilities, and equity as of any specific date. For performance tracking, use get_profit_and_loss to generate a Profit and Loss (PnL) summary that covers revenue minus expenses across a defined time period.
You'll get the full financial picture without ever leaving your chat window.
Cash Flow & Reconciliation
You wanna reconcile accounts? The agent uses list_bank_transactions to give you every raw transaction recorded in all linked bank accounts, providing total cash flow data. To track which money is actually applied, run list_xero_payments, which lists every payment made or assigned against an invoice within the system. You can check all outstanding sales and purchase invoices using list_xero_invoices, regardless of whether they've been paid yet.
Auditing Records & Billing Details
When you need to audit something specific, you get it that way. For deep dives into a single bill, get_invoice_details retrieves all line items and every piece of info for one invoice. You can also verify the structure of your general ledger by running list_chart_of_accounts; this lists all available accounts, including their type (like 'Bank' or 'Expense') and their specific code—perfect for pre-recording checks.
You'll never be off-script when you have that data.
For client and vendor management, the agent uses list_xero_contacts to pull every customer and supplier ID registered in your organization. If you need basic company setup info, get_organisation_info gathers high-level details like your base currency or legal name. This server handles all the hard number crunching so y'all can just talk finance.
How Xero MCP Works
- 1 Subscribe to the Xero server and provide your Access Token and Tenant ID.
- 2 Tell your AI agent exactly what you need: 'What was our P&L for Q2?'
- 3 The agent runs the necessary tool (like
get_profit_and_loss) and presents the final, structured data.
The bottom line is that your AI client talks directly to Xero's API tools, eliminating manual dashboard navigation completely.
Who Is Xero MCP For?
This is for finance professionals who are tired of spending hours clicking through separate dashboards just to reconcile a few numbers. If you spend your Tuesday mornings comparing bank feeds against invoice records, this saves you time.
Uses list_xero_invoices and get_invoice_details to verify payment statuses for billing cycles. Checks the list_chart_of_accounts before journal entries.
Runs get_balance_sheet and get_profit_and_loss side-by-side to audit financial periods, cross-referencing these reports with raw data from list_bank_transactions.
Asks for simple summaries like 'What was our net profit last quarter?' using the PnL tool. Needs quick checks without calling a bookkeeper.
Cross-references contact IDs from list_xero_contacts with payment data from list_payments to build custom cash flow reports.
What Changes When You Connect
- Stop manually cross-referencing P&L reports with bank feeds. Use
get_profit_and_lossalongsidelist_bank_transactionsto validate cash flow against reported income. - Never lose an invoice detail again. With
get_invoice_details, you get every line item, tax rate, and description for a single bill, no matter how complex the original record was. - Quickly reconcile accounts payable. Run
list_xero_invoicesto see all open bills, then uselist_paymentsto confirm which ones have been covered by client payments. - Build better workflows with accurate identifiers. Use
list_xero_contactsfirst to get a contact ID, then feed that ID into other tools like listing invoices for that specific party. - Audit your setup risk-free. Run
get_organisation_infoanytime to confirm the legal registration details and base currency, which is crucial for multi-jurisdictional work.
Real-World Use Cases
Client needs a quick P&L summary.
A business owner needs to show investors their net profit for the last quarter. Instead of pulling and formatting reports, they ask their agent: 'What was our PnL from July 1st to September 30th?'. The agent uses get_profit_and_loss and returns the final numbers immediately.
Investigating a missing payment.
A bookkeeper notices an invoice is flagged as unpaid. They ask their agent to check: 'Show me all payments for INV-123.' The agent uses list_xero_payments and then checks the associated contact ID using list_xero_contacts, solving the discrepancy in seconds.
Validating cash flow discrepancies.
A finance analyst sees a P&L number that seems too high. They suspect something is wrong with the bank feed. They ask their agent to run list_bank_transactions and compare those raw entries against the structured reports, finding a missing payment.
Onboarding a new client.
An accountant needs to set up reporting for a brand-new legal entity. They first use get_organisation_info to pull the base currency and registration details before proceeding with any transaction calls, ensuring compliance from day one.
The Tradeoffs
Only trusting the P&L report.
Reading only the get_profit_and_loss report and assuming it reflects the actual cash available. This ignores timing issues (accruals) and bank-side reality.
→
Always cross-reference the summary reports with raw data. Run list_bank_transactions to see what money actually hit the account, validating the PnL figures.
Searching by invoice name alone.
Asking for 'the big client's invoices' without specifying who. This leaves the agent guessing and wasting time or returning incomplete data.
→
First, use list_xero_contacts to get the precise Contact ID, then ask the agent to filter the output of list_xero_invoices using that verified ID.
Trying to manually build a ledger.
Attempting to piece together revenue and expenses by listing every single invoice. This is tedious, prone to errors, and misses the big picture.
→
Use get_balance_sheet for assets/liabilities totals, and rely on list_chart_of_accounts when you need to verify which type of account code applies.
When It Fits, When It Doesn't
Use this Xero MCP Server if your primary job involves reconciling financial statements, validating transactions against source data, or generating standard reports (P&L/Balance Sheet). It is perfect for deep dives into the 'how' and 'why' of a number.
Don't use it if you only need to know basic contact information without any transaction context; in that case, just using list_xero_contacts is enough.
Crucially, this tool set assumes standard Xero accounting practices. It won't help with complex revenue recognition models (like installment billing over years) or manual journal entries not captured by the listed tools. For those niche tasks, you might need a dedicated workflow engine instead of relying on structured reports alone.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Xero. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This server provides 9 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Financial auditing shouldn't feel like navigating a maze of tabs and filters.
Right now, checking if a client paid their bill means opening the invoicing module, filtering by date range, then running a separate report to check bank activity. You copy numbers from one tab, paste them into another spreadsheet just to see if they match up. It's slow, and you always feel like you're missing something.
With this MCP server, that process is gone. You just ask your agent: 'Show me the unpaid invoices for Global Tech.' The agent runs `list_xero_invoices` and filters it instantly by contact ID. You get a clean list of exactly what needs to be collected.
Xero MCP Server lets you audit your books with just one chat command.
Before, verifying the core financial health meant running multiple reports—P&L for the quarter, then Balance Sheet at the end of that period. You'd have to manually compare subtotals and hope everything aligned without a dedicated audit tool.
Now you can ask your agent: 'Compare last month's PnL with this month's.' The system pulls both reports using `get_profit_and_loss` and compares the totals directly, highlighting differences. It’s immediate verification.
Common Questions About Xero MCP
Can I retrieve my profit and loss report for a specific period via chat? +
Yes. The get_profit_and_loss tool allows your AI agent to retrieve a PnL report by providing a start and end date. This provides an instant summary of your revenue and expenses without manual reporting.
How do I find out the outstanding amount on a specific invoice? +
You can use the get_invoice_details tool. Provide the unique invoice ID, and your agent will return the full metadata, including the original amount, any applied payments, and the current balance due.
Is it possible to see my bank transactions through the agent? +
Absolutely. Use the list_bank_transactions tool to retrieve a list of all transactions recorded in your Xero bank accounts, helping you monitor cash flow directly through your conversation.
When setting up the connection, how does the agent authenticate when I use `get_balance_sheet`? +
You connect using your Xero Access Token and Tenant ID. You only need to provide these credentials once; after that, your AI client handles refreshing them automatically for secure, continuous access.
Can I verify if a revenue or expense code is valid using `list_chart_of_accounts`? +
Yes. This tool lists every account in the general ledger. You can browse the full chart of accounts to check codes and types (Bank, Expense, Revenue) before recording any transactions.
How do I get a complete list of customers and suppliers for billing using `list_xero_contacts`? +
The tool pulls every customer and supplier record from your Xero database. It returns the full contact details, including the unique IDs you need to accurately process invoices.
What kind of general corporate data does `get_organisation_info` provide? +
It retrieves key setup information for your entire Xero organization, like legal registration details and the base currency. This is useful when you need to confirm compliance or reporting standards.
If I run `list_xero_payments` and get no results, what does that mean? +
It means your Xero account hasn't recorded any payments applied to invoices in the scope of the query. The tool reports exactly what exists; zero results just confirms the absence of data.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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