Xero MCP for AI Agents. Talk to your books, not the dashboard.
Xero MCP lets your agent manage all aspects of small business finance through conversation. Check balance sheets, reconcile bank transactions, track invoices, and pull P&L reports without logging into the accounting dashboard. It connects your AI client directly to Xero's core data for instant financial oversight.
Give Claude and any AI agent real-world access
Retrieves basic setup details for your Xero organization.
Pulls balance sheet reports showing current assets, liabilities, and equity totals for a given date.
Generates the profit and loss report for any specified date range.
Provides a full list of every account type available in your general ledger.
Lists all raw transactions recorded across your connected bank accounts.
Retrieves a list of every customer and supplier in the system.
Lists all sales and purchase invoices, and also lists payments applied to those invoices for reconciliation.
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What AI agents can do with Xero MCP: 9 Tools for Finance Data Retrieval
These tools let you programmatically access specific parts of your Xero data, from listing bank transactions to calculating balance sheets.
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 MCPGet Organisation Info
Retrieves the foundational setup information for your Xero account.
Get Balance Sheet
Calculates and returns a snapshot of assets, liabilities, and equity totals for a...
Get Invoice Details
Pulls all the comprehensive details, including line items and taxes, for one...
Get Profit And Loss
Generates a detailed profit and loss report covering everything between two dates...
List Chart Of Accounts
Provides an index of every official account type (Bank, Expense, Revenue) in your...
List Bank Transactions
Lists all raw financial activity recorded across your connected bank accounts.
List Xero Contacts
Retrieves a searchable list of every customer and supplier in the system by name or ID.
List Xero Invoices
Lists all sales and purchase invoices, allowing you to see who owes money or who's...
List Xero Payments
Identifies every payment record and shows exactly which invoice it was applied...
Security and governance baked right in.
Pick your AI client below to get set up. Just create a Vinkius account, subscribe, and you're instantly up and running. We handle the entire backend infrastructure, delivering out-of-the-box support for HTTPS Streamable, SSE, and OAuth2—zero messy routing required.
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
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
- Create Agent Skills with progressive disclosure
- Deploy to edge with MCPFusion framework
- Built in DLP, auth, and compliance on each call
- Real time usage dashboard and cost metering
- Publish to catalog or keep private
Make Your AI Do More
Start with Xero, then connect any of our 5,200+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 5,200+ others, all in one place
- Add new capabilities to your AI anytime you want
- Connections are secured and governed automatically
- Track usage and costs across all your servers
- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog weekly
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The manual grind of checking company books is exhausting. Solved with Vinkius AI Gateway
Right now, getting a simple picture of cash flow means logging into Xero. You click the dashboard tab, then you switch to the Bank Reconciliation screen. If you need to check an invoice's status, you navigate to Invoicing, find the client, and finally drill down to see if a payment was applied—all just to answer one question: 'Did they pay?'
With this MCP, that whole click-through process vanishes. You ask your agent directly, 'What payments are outstanding for our top 5 clients?' The system instantly cross-references the needed data from `list_xero_invoices` and `list_xero_payments`, giving you a clean answer without ever touching a dashboard.
Get real-time financial reports with Xero MCP.
Before, generating a Profit and Loss report required selecting date ranges, hitting 'generate,' waiting for the page to load, and then exporting it. To audit contacts or payments meant opening multiple tabs: one for `list_xero_contacts`, another for `list_bank_transactions`, and a third just to verify payment application.
Now, you simply ask your agent for the report or data point. You get structured, actionable answers immediately. The complexity of Xero's financial structure disappears into a single conversation.
What your AI can actually do with this
You can use this MCP to manage your company’s finances by simply asking questions in plain language. Your agent talks directly to your Xero account, pulling real-time data on everything from customer payments to quarterly profit reports. Need to know if a client paid an invoice? Just ask. Want to see how much money you made last quarter? Ask for the P&L report.
The system handles listing sales and purchase invoices, tracking applied payments, and even checking legal organizational details. Because this MCP is hosted on Vinkius, your agent gets access to Xero's full suite of financial data—including contact information, bank transactions, and chart of accounts—all in one place. You never have to manually navigate complex accounting dashboards again.
019d7625-6a58-72b8-96b7-ce9d71207fd0 Here's how it actually works
The bottom line is that your agent acts as a real-time financial analyst that never sleeps.
Subscribe to this MCP on Vinkius and enter your Xero Access Token and Tenant ID.
Connect the credentials to your preferred AI client, like Cursor or Claude.
Tell your agent exactly what data you need—for example, 'What was our P&L last month?'
Who is this actually for?
This MCP is for anyone whose job involves reviewing or manipulating business money. If you're tired of jumping between the invoicing tab, the bank reconciliation screen, and the P&L report just to get a single answer, this one’s for you.
You check invoice details or audit payment statuses without manually clicking through every record.
You monitor real-time P&L and review bank transaction history via simple chat prompts, getting immediate cash flow insights.
You quickly surface balance sheet data or reconcile payments using conversational commands to build reports.
What Changes When You Connect
Stop digging through tabs for payment status. Asking about a specific invoice will instantly give you details and tell you if it's paid or due using get_invoice_details.
Reconcile bank accounts on demand. Instead of downloading transaction logs, simply ask your agent to list bank transactions, then use list_xero_payments to see the corresponding invoices that cleared.
Get immediate financial snapshots. Need to know where you stand? Call get_balance_sheet for a date-specific view of assets and liabilities instantly.
Audit accounts without manual input. You can quickly list all available account types using list_chart_of_accounts, verifying codes before recording anything new.
Track cash flow history easily. Use the P&L function to pull reports showing total revenue versus expenses over any time period, making quarterly analysis a chat command away.
Find who you need without searching. Use list_xero_contacts to get accurate customer or supplier IDs right when you're drafting an invoice.
See it in action
Checking outstanding payments for a major client
A business owner asks, 'What are the unpaid invoices for Global Tech?' The agent uses list_xero_invoices and filters by contact ID to provide an immediate list of amounts due, saving minutes of spreadsheet sorting.
Quickly auditing a recent expense
A bookkeeper needs to verify if a $500 payment was applied correctly. They ask the agent, and it cross-references list_bank_transactions with list_xero_payments to show exactly which invoice received the funds.
Preparing for tax time reporting
A finance analyst needs a full picture of profitability. They use the agent to run get_profit_and_loss for the last quarter, getting structured data immediately ready for their presentation deck.
Confirming company setup details
An operations team member needs to confirm the legal base currency. They ask the agent and it calls get_organisation_info to retrieve compliance-level organizational facts.
The honest tradeoffs
What to watch out for, and the recommended way to handle each one.
Asking for 'unpaid bills'
Just typing, 'Show me all my overdue invoices.' The agent might respond with a generic list that lacks crucial details or requires follow-up commands to get the full picture.
You should use list_xero_invoices and specify filtering criteria for outstanding balances. If you need full line item breakdowns, call get_invoice_details using an invoice ID found in the list.
Asking 'How was our profit last month?'
A vague query like this forces your agent to guess date ranges or return overly broad summaries that aren't useful for actual reporting.
Be precise. Ask, 'What is the Profit and Loss from March 1st to March 31st?' This triggers get_profit_and_loss with exact parameters.
Listing all contacts without purpose
Simply running a list of every contact (list_xero_contacts) gives you names and IDs, but doesn't tell you if they are active or what their last payment was.
Always combine the tools. First, use list_xero_contacts to get an ID, then ask the agent to cross-reference that ID with list_xero_payments for recent activity.
When It Fits, When It Doesn't
Use this MCP if your job involves querying structured financial data—specifically invoices, bank records, or formal reports like P&L. You need a single conversational interface to access multiple distinct datasets (e.g., needing list_xero_invoices and get_balance_sheet). Don't use this if you just need simple customer support info; for that, a basic CRM connector is better. Also, don't use it if you are trying to edit records or send payments—it only retrieves data. For actual payment processing, you’ll need a dedicated payment gateway MCP instead of relying on the core financial reporting tools like get_invoice_details.
Questions you might have
Can I use the Xero MCP to see which accounts I have? +
Yes. Use list_chart_of_accounts to get an index of every official account type (Bank, Expense, Revenue) available in your general ledger.
How do I check if a specific invoice was paid using Xero MCP? +
The best way is to use get_invoice_details. This tool provides comprehensive details for an invoice and shows its payment status, letting you confirm exactly when the money came in.
Does the Xero MCP help with bank reconciliation? +
Yes. You can list all raw transactions using list_bank_transactions and then use list_xero_payments to match those transactions against recorded invoices for full reconciliation.
Can I find out my company's legal registration info? +
You can retrieve that by calling the get_organisation_info tool, which pulls core details like your base currency and tenant information.
Is Xero MCP better than just running reports in Xero directly? +
It’s different. Instead of clicking through dashboards, you talk to the data. You ask for a P&L report over a date range, and your agent uses get_profit_and_loss to deliver that exact data instantly via conversation.