Xero MCP. Pull financial reports from conversation.
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Xero MCP lets you handle complex bookkeeping tasks through natural conversation. Pull balance sheets, check bank transactions, list invoices, or run PnL reports—all without navigating a single accounting dashboard.
It brings your financial data directly into your AI agent.
What your AI agents can do
Get balance sheet
Gets a report listing assets, liabilities, and equity totals for a specific date.
Get invoice details
Retrieves the full, detailed information for one specific invoice.
Get organisation info
Retrieves foundational data about the Xero organization, like legal currency and registration details.
Request real-time Balance Sheet and Profit & Loss reports for any specific date range.
List every transaction recorded in the bank account or track payments applied to invoices.
See all sales and purchase invoices, including line items, payment statuses, and full contact details.
Browse the general ledger accounts to check specific codes for Bank, Expense, or Revenue before logging entries.
Retrieve core company details, like legal registration and base currency, for compliance checks.
Ask AI about this MCP
Supported MCP Clients
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Xero - 9 Tools for Finance Management
These tools allow you to programmatically access all core Xero functions, including fetching reports, listing contacts, and auditing payments.
Make your AI actually useful.
Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.
Start using Xero on Vinkius019d7625get balance sheet
Gets a report listing assets, liabilities, and equity totals for a specific date.
019d7625get invoice details
Retrieves the full, detailed information for one specific invoice.
019d7625get organisation info
Retrieves foundational data about the Xero organization, like legal currency and registration details.
019d7625get profit and loss
Generates a Profit and Loss report covering a specified start and end date range.
019d7625list bank transactions
Lists all financial activity recorded in your connected bank accounts.
019d7625list chart of accounts
Provides a complete list of every available general ledger account type (Bank, Expense, Revenue).
019d7625list xero contacts
Lists all customers and suppliers registered in the Xero system.
019d7625list xero invoices
Lists all sales and purchase invoices within your Xero organization.
019d7625list xero payments
Lists every payment that has been applied to an existing invoice.
Choose How to Get Started
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Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
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Make Your AI Do More
Start with Xero, then connect any of our 4,800+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 4,800+ others, all in one place
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- Works with Claude, ChatGPT, Cursor, and more
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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.
The manual grind of financial reconciliation.
Right now, checking a company's financial health means opening a dashboard, navigating to 'Invoices,' filtering by status, then switching tabs to look at the general ledger accounts just to verify codes. You spend time clicking through pages and manually copying data points into spreadsheets.
With this MCP, you simply tell your agent what you need—for example, 'Give me all outstanding invoices.' It runs the necessary tools in sequence and presents a clean, structured list of exactly what's owed.
Viewing full financial records with Xero.
You no longer need to jump between separate reports for P&L data and balance sheet totals. You can ask the agent to retrieve both using get_profit_and_loss and get_balance_sheet, getting two distinct but related financial views in one chat session.
This saves time and prevents errors from manual data transfer. Your AI client handles the complex calls; you just read the result.
What you can do with this MCP connector
Forget manually clicking through tabs and copying figures to build a report. With this MCP, you talk to Xero like talking to an accountant. You can ask for specific details—like the total revenue from last quarter or if that client paid their invoice yet—and get precise answers immediately. It pulls everything you need: P&L reports, current bank balances, and full lists of contacts.
Because money is involved, data integrity matters most. When your agent runs these requests through Vinkius, every single tool call generates a cryptographically signed audit trail. This means the record of what was requested and what data flowed out is tamper-proof by design. You're not just getting an answer; you’re getting proof of it.
019d7625-6a58-72b8-96b7-ce9d71207fd0 
How Xero MCP Works
- 1 Subscribe to this MCP and enter your Xero Access Token along with the Tenant ID.
- 2 Connect the MCP to your preferred AI client (Claude, Cursor, etc.).
- 3 Ask your agent a specific question—like 'What was our PnL for Q2'—and it executes the necessary calls.
The bottom line is, you use natural language commands instead of complex software menus to access financial data.
Who Is Xero MCP For?
Bookkeepers who spend hours cross-referencing receipts and bank statements. Finance analysts needing quick PnL snapshots for meetings. Controllers responsible for quarter-end reconciliation.
Needs to pull detailed invoice information or list the general ledger accounts to verify a client's bookkeeping entries.
Runs periodic reports, like fetching the balance sheet data for month-end closing or auditing contact payment histories.
Needs to quickly know if recent bank transactions cleared and what the current PnL stands at without calling their bookkeeper.
What Changes When You Connect
- Eliminate manual data gathering. Instead of opening multiple tabs to check invoices, you can ask the agent for a list of all sales and purchase invoices in one go.
- Streamline reconciliation by listing bank transactions and payments applied to invoices, letting you easily track outstanding balances.
- Build instant financial reports; simply asking for the Profit and Loss report with date ranges generates accurate data without opening the reporting dashboard.
- Verify compliance details instantly. You can retrieve organization information or list all general ledger accounts before creating any new entries.
- Never lose a payment record. The ability to list payments applied to invoices ensures you always know who paid what, and when.
Real-World Use Cases
The month-end checkup
A controller needs to close the books for March. They ask their agent to get_balance_sheet data for March 31st, then run a get_profit_and_loss report for the quarter. The agent gathers both sets of figures automatically.
Following up on overdue bills
A business owner notices an invoice is due and asks to list_xero_invoices, filtering for those that are unpaid. This gives them the necessary contact IDs from list_xero_contacts to follow up.
Auditing a single transaction
An accountant needs to verify if $500 was paid last week. They ask for payment details, and the agent uses get_invoice_details on the relevant invoice ID to confirm the source and date.
Understanding cash flow
A finance analyst wants to reconcile their accounts receivable. They use list_bank_transactions alongside list_xero_payments to compare what hit the bank versus what was officially applied to an invoice.
The Tradeoffs
Copying data between sheets
Opening the Profit and Loss report, copying totals into Excel, then manually updating them when a new transaction comes in.
→ Ask your agent to get_profit_and_loss directly. The result is instantly structured and ready for review, eliminating manual copy-pasting.
Checking accounts one by one
Manually checking the bank statements and then going into Xero's dashboard to see if payments were applied.
→ Use list_bank_transactions, and then use list_xero_payments in sequence. Your agent compares both datasets for discrepancies.
Forgetting necessary IDs
Trying to update an invoice without knowing the correct contact ID or organization currency code.
→ Start by running get_organisation_info and list_xero_contacts. This gives you all the foundational codes needed for accurate work.
When It Fits, When It Doesn't
Use this MCP if your core process involves reconciling multiple data points—like matching bank deposits to specific invoices or cross-referencing ledger codes with financial reports. It's mandatory for any job that requires absolute, verifiable accuracy in finance. Don't use it if you only need a general overview; stick to the native Xero interface. If your goal is just to find out who an invoice was sent to, list_xero_contacts might be enough. But if you need to know if they paid it and when, this MCP provides the full audit chain.
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.
How do I verify my organization's base currency and legal details using get_organisation_info? +
Yes, this tool immediately retrieves core organizational data. It confirms your base currency and critical tenant information without you having to navigate multiple compliance dashboards.
If I need a customer's unique ID for billing purposes, how do I use list_xero_contacts? +
It lists all registered customers and suppliers, providing the necessary contact IDs. You must run this first to get the required identifier before using it with payment or invoice tools.
Before recording a transaction, how do I verify my general ledger codes using list_chart_of_accounts? +
You browse every available account code in your chart of accounts. This lets you confirm the correct type—like Bank or Expense—before instructing your agent to post any data.
When I run get_invoice_details, what level of granularity do I get for line items and taxes? +
The response provides comprehensive breakdowns that go far beyond the total amount. It shows exactly which services or goods made up the invoice and how specific tax rates were applied.
How does list_xero_payments handle retrieving payments across different invoices? +
It lists all payment records, showing which amounts are applied to which invoices. This gives you a complete picture of the cash flow history attached to your sales and purchases.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.