JAX (Just Ask Xero) is the AI assistant built into Xero. It answers questions about a business's Xero data, researches external topics, handles small tasks such as creating an invoice from a quote, and answers how-to questions.

Xero says JAX chat is available to all subscribers and users at no additional charge, though it reserves the right to change JAX terms, including pricing. Some AI-labeled features are priced separately, such as auto-reconcile as an add-on on the Early plan.

Does Xero train AI on my data?

For JAX chat, Xero says the language models process data users enter but the data is not retained or used to train those models. Xero's broader privacy notice permits using data with AI and machine learning to improve its services.

Xero AI: what JAX does, and what it does with your data

JAX, short for Just Ask Xero, is the AI assistant built into Xero's accounting software. It answers questions about your own books, researches outside topics and handles small admin tasks, and Xero says the chat carries no extra charge.

Updated October 14, 2026. By AI Accounting Vendors. Product site: xero.com (opens in a new tab)

What each plan includes

Xero US plans, as listed on October 14, 2026. JAX chat is available to subscribers at no additional charge.
Plan	Monthly price and AI notes
Early	$27 per month; auto-reconcile is a $5 per month add-on
Growing	$59 per month
Established	$97 per month

What JAX does

JAX opens from a chat panel in Xero's navigation. Xero describes four kinds of work: answering questions about the organization's own Xero data with charts and tables, researching outside topics such as benchmarks, tax information and loan rates, carrying out small tasks such as turning a quote into an invoice, and answering how-to questions from Xero's help content.

Xero's September 2025 release called JAX an "AI financial superagent" and described automated reconciliation and a control system called JAX Assure, some in the future tense. The current JAX page doesn't use that language or the earlier beta label, so treat announced capabilities as announced until they appear in your file.

What Xero says about your data

Xero's JAX page says the language models behind JAX chat process the data users enter, but that the data is not retained or used to train those models. Xero's general privacy notice allows it to use data, including with AI and machine learning, to provide and improve its services, without addressing model training specifically. The listing records the JAX-specific statement.

Xero states that it produces SOC 2 reports from independent audits and offers its latest SOC 2 Type II report on request.

How much it does on its own

Xero says JAX acts only when a user asks it something, follows the user's existing Xero permissions, and is built so users can review its output. For accountants, the permissions point matters: a client user with limited access gets answers limited to what that role can see.

JAX (Just Ask Xero): facts, checked against the source

Category: BookkeepingSource: xero.com (opens in a new tab)
Built for: Small businessSource: xero.com (opens in a new tab)
Ledger integrations: XeroSource: xero.com (opens in a new tab)
Pricing: From $27/month (Xero Early)$27/month (Xero Early, US list price; JAX chat currently carries no additional charge; promo of 80% off for the first 3 months shown; as listed 2026-10-14)Source: xero.com (opens in a new tab)
Free plan: NoThe vendor's pricing shows no free plan.Source: xero.com (opens in a new tab)
SOC 2: Type IISource: xero.com (opens in a new tab)
Trains on customer data: NoXero's JAX page says the LLMs behind JAX chat process the data users enter but that this data is not retained or used to train those LLMs; Xero's general privacy notice (updated 2025-02-11) allows using data, including with AI/ML, to provide and improve services but does not address model training specifically.Source: xero.com (opens in a new tab)
Human review: Human reviewXero says JAX runs only when a user asks it something, follows the user's existing Xero permissions, and is built so users can review its output; the 2025-09-03 release frames planned automation as 'Just Done with your control' without describing approval steps.Source: xero.com (opens in a new tab)
Company: A Xero product; Xero is publicly traded. Xero founded 2006JAX (Just Ask Xero) is built into Xero's software.Source: xero.com (opens in a new tab)

Checked against the linked official source on the date shown.
Unconfirmed: we could not find an official statement.

Documented AI features

Answers questions about the organization's Xero financial data and returns charts and tables
Researches external topics such as industry benchmarks, tax information and loan rates
Carries out admin tasks on request, such as creating an invoice from an earlier quote
Answers how-to questions using Xero help content

Xero AI (JAX): questions

What is Xero JAX?: JAX (Just Ask Xero) is the AI assistant built into Xero. It answers questions about a business's Xero data, researches external topics, handles small tasks such as creating an invoice from a quote, and answers how-to questions.
Is Xero AI free?: Xero says JAX chat is available to all subscribers and users at no additional charge, though it reserves the right to change JAX terms, including pricing. Some AI-labeled features are priced separately, such as auto-reconcile as an add-on on the Early plan.
Does Xero train AI on my data?: For JAX chat, Xero says the language models process data users enter but the data is not retained or used to train those models. Xero's broader privacy notice permits using data with AI and machine learning to improve its services.

Sources

Official pages read on October 14, 2026. Changes are recorded in the changelog.