# Xero MCP > 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. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** invoicing, bookkeeping, bank-reconciliation, financial-reporting, contact-management, tax-compliance ## Description 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. ## Tools ### get_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 specific date. ### get_invoice_details Pulls all the comprehensive details, including line items and taxes, for one specific invoice number. ### get_profit_and_loss Generates a detailed profit and loss report covering everything between two dates you specify. ### list_chart_of_accounts Provides an index of every official account type (Bank, Expense, Revenue) in your general ledger. ### 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 been paid. ### list_xero_payments Identifies every payment record and shows exactly which invoice it was applied toward. ## Prompt Examples **Prompt:** ``` List all my unpaid invoices in Xero. ``` **Response:** ``` I found 5 invoices with outstanding balances: 1. INV-001 ($1,200.00), 2. INV-005 ($450.00), 3. INV-012 ($890.00), and 2 others. Would you like the details for the largest one? ``` **Prompt:** ``` What is our Profit and Loss for March 2026? ``` **Response:** ``` PnL Report for March 2026: Total Revenue: $42,500.00, Total Expenses: $28,150.00, Net Profit: $14,350.00. This is a 12% improvement compared to February. Would you like a breakdown by category? ``` **Prompt:** ``` Find the contact ID for 'Global Tech' and show their last 3 payments. ``` **Response:** ``` Contact 'Global Tech' (ID: 550e8400-e29b...) found. Their last 3 payments were: 1. $1,200.00 (2026-03-15), 2. $1,200.00 (2026-02-15), and 3. $1,200.00 (2026-01-15). All applied to recurring service invoices. ``` ## Capabilities ### Get Organization Details Retrieves basic setup details for your Xero organization. ### View Financial Statements Pulls balance sheet reports showing current assets, liabilities, and equity totals for a given date. ### Analyze Profit & Loss Generates the profit and loss report for any specified date range. ### List Accounts Provides a full list of every account type available in your general ledger. ### Review Bank Activity Lists all raw transactions recorded across your connected bank accounts. ### Manage Contacts Retrieves a list of every customer and supplier in the system. ### Track Invoices and Payments Lists all sales and purchase invoices, and also lists payments applied to those invoices for reconciliation. ## Use Cases ### 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. ## Benefits - 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. ## How It Works The bottom line is that your agent acts as a real-time financial analyst that never sleeps. 1. Subscribe to this MCP on Vinkius and enter your Xero Access Token and Tenant ID. 2. Connect the credentials to your preferred AI client, like Cursor or Claude. 3. Tell your agent exactly what data you need—for example, 'What was our P&L last month?' ## Frequently Asked Questions **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.