Independent review. IonBin has no partnership with Xero and was not paid for this page. Our evaluation is our own, based on public documentation and our research. Product names are trademarks of their owners and are used for identification only. How disclosure works.
Cloud accounting for small businesses. Xero's developer Remote MCP reads and writes Xero data with user consent and is included on developer plans Core and above; an open-source local MCP server is also published. Not financial advice.
IonBin provides general information and software comparisons, not tax, legal, accounting or financial advice. Tax and legal rules vary by situation and jurisdiction; consult a qualified professional (CPA, enrolled agent or attorney) before acting.
AI tools can make mistakes. Verify every figure against the original documents and official IRS or state guidance before filing or signing.
Redact Social Security numbers, account numbers and EINs before uploading documents to any AI assistant, and check its data-retention settings. Upload originals only to the filing or signing software.
Xero US lists Early at $27, Growing at $59 and Established at $97 per month after an introductory discount for the first 3 months. Payroll through Gusto is an add-on. Checked 2026-10-17. source ↗
Xero's developer Remote MCP is for builders of custom agents and apps. It reads and writes Xero data across multiple organisations with user consent. It is included on developer plans Core and above; Starter apps can use it only with the demo organisation. source ↗
How Xero connects to each AI platform: native connector or MCP, API through code the agent writes, browser control, or file upload.
| Platform | MCP / connector | API (agent-written code) | Browser | Upload / export |
|---|---|---|---|---|
| Claude (incl. Claude Code) | Confirmed Named in Xero developer FAQ Xero docs ↗Claude (incl. Claude Code) MCP docs ↗ | Confirmed Claude (incl. Claude Code) can run code; Xero publishes an API. Xero API ↗Claude (incl. Claude Code) docs ↗ | Confirmed Claude Code with the Claude in Chrome extension (Chrome, Edge and other Chromium browsers) Claude (incl. Claude Code) browser docs ↗ | Confirmed Export from Xero, then works on the files in your project; chat accepts attachments Claude (incl. Claude Code) docs ↗ |
| OpenAI Codex | Not documented Xero has an official MCP server and OpenAI Codex supports MCP, but Xero's docs don't name this pairing. Auth setup may differ. Xero MCP docs ↗OpenAI Codex MCP docs ↗ | Confirmed OpenAI Codex can run code; Xero publishes an API. Xero API ↗OpenAI Codex docs ↗ | Confirmed Only in the ChatGPT desktop app; not in the Codex CLI or IDE extension OpenAI Codex browser docs ↗ | Confirmed Export from Xero, then works on local repositories OpenAI Codex docs ↗ |
| Google Antigravity | Not documented Xero has an official MCP server and Google Antigravity supports MCP, but Xero's docs don't name this pairing. Auth setup may differ. Xero MCP docs ↗Google Antigravity MCP docs ↗ | Confirmed Google Antigravity can run code; Xero publishes an API. Xero API ↗Google Antigravity docs ↗ | Confirmed Browser subagent via /browser, documented as an Antigravity App feature; the IDE has separate browser docs Google Antigravity browser docs ↗ | Confirmed Export from Xero, then works on local projects and worktrees Google Antigravity docs ↗ |
Confirmed means both the tool's and the platform's official docs describe that route (links in the cell); IonBin has not tested every pairing. Not documented means it may work, but no official docs describe that route end to end. Checked Oct 17, 2026.
| Level | Status | Detail / source |
|---|---|---|
| Native connector / MCP | Yes | Official docs ↗ |
| API / CLI | Yes | Official docs ↗ |
| Browser-only | No | Web app; also reachable programmatically |
| Bulk upload / import | Yes | Import bank statements and contacts from CSV (https://central.xero.com/0/article/Import-contacts-into-Xero) |
Recorded Oct 17, 2026. Setup and plan limits vary; check the vendor's docs. How levels are assigned.
Via its official MCP server, from MCP-capable platforms such as ChatGPT, Claude, Gemini (Google), Google Antigravity, OpenAI Codex.
Via its API, through automation hubs: Gumloop, Make, n8n, Zapier.
No long-form review yet. Verdict is based on research, not hands-on testing.
Small-business accounting from Intuit. Intuit publishes an official local QuickBooks Online MCP server (145 tools, including create, update and delete, which can be switched off) that needs your own Intuit Developer app. A hosted server is an invitation-only pilot.
Invoicing, expenses and accounting for service businesses and freelancers. Its Claude connector gives read-only answers on profit, cash, invoices and clients, limited by your FreshBooks role; a public API is also documented.
