Live from your Xero
Your books.
In plain English.
Live dashboards from your Xero, and Kipp — who answers questions about your own money in words you already use. Six in the morning, eleven at night. No appointment, no clock running.
Plans from £15 a month. Seven days free — nothing is taken until day 8.
From your Xero · this morning
From your cash forecast
Corporation Tax Act 2010, s.18B
Confirm
Refused rather than guessed
7
screens, live from your Xero — profit, cash, invoices, spending, customers, targets and growth
12months
of cash forecast, with a box to ask Kipp “what if”
0
pennies Kipp can move. He reads your books and drafts — you press Confirm
Live demo
Don't read about it.
Try it.
A working model of the dashboard, with an invented business in it. Tap, drag and click — on your own account, it's your own Xero.
Sales, costs and profit
Pick a period, or tap a week on the chart
How long your cash covers your costs
Tap what would cover more weeks
Who owes what
Tap a customer
Twelve months ahead
Drag the sliders — try customers taking 60 days
The profit you want
Move a slider, or type the profit you want
Ask Kipp
Tap a question
Which period are you looking at?
Sales, costs and profit
Sales this week were £8,740. After £7,760 of costs, the profit was £980: 11.2% of sales. Sales the week before were £8,620, so sales are up £120.
Sales
£8,740
Costs
£7,760
Profit
£980
Profit margin
11.2%
The last six weeks — tap a week
SalesCosts
How long your cash covers your costs
5.3
weeks of costs covered
Cash in Xero: £41,200. An average month of costs: £33,640.
What would cover more weeks
Tap one, or both. Anything under a month shows red.
Who owes what, by how old it is
Owed to youYou owe
Customers owe you £23,100, and £8,940 of it is past its due date.
Who to ring first
Tap a customer to see what they owe.
The figures this forecast runs on
Cash in Xero, month by month
Cash in Xero today
£41,200
Lowest point
£41,200
today
In twelve months
£62,100
in twelve months
Change one to see what it is worth
What your changes are worth
A year’s profit, with your changes
£51,120£0 more than your current pace
Overdue, owed to you now
£8,940
past its due date. This is cash, not extra profit.
Extra sales each week
£0
from new regular customers
Cash received sooner, once
£0
from customers paying sooner
You're 68% of the way there.
Getting paid sooner changes your cash, not your profit — so it moves the last box, never the big number.
Morning. What would you like to know about Hartley Bakery?
Worth asking
An invented business with simplified arithmetic, to show how the screens work. On your account every figure is worked out from your own Xero.
Meet Kipp
Ask him anything
about your money.
In your own words. However you'd say it out loud. He's not fussy about spelling, and he'd rather say “I don't know” than cost you money.
Answers from your own books
Any customer, any supplier, any account — opened up, itemised and checked against the ledger. And he tells you where the figures came from.
Won't guess
Asked for a number nothing has worked out, he says so — and what would work it out.
“I won't guess.”
Names the rule
A library of UK law and tax. When a rate, limit or rule matters, he looks it up and names the source. If it isn't in his library, he says so.
Drafts you confirm
Ask for an invoice. Nothing reaches your Xero until you press Confirm. On Pro and Elite.
“What if…”
Hire someone, lose a customer, get paid sooner — run it through your own cash forecast.
Worth knowing this week
Three things on your Home screen worth a look, in pounds and plain English. Put them on a plan and tick them off.
- More than a fifth of what you're owed is overdue
- Wages are a large share of your sales
- Sales and costs held level this month
Not instead of your accountant
Keep them — for the return, the tax, the year-end, and every question about what you should do. Kipp is the bit in between: Tuesday night, a question about your own money, and nobody to ask.
Pricing
Three plans.
Lite and Pro open now.
Every plan gets the whole dashboard and Kipp on your own books. The plans differ in how many answers Kipp gives you in a month, whether he drafts your invoices, and whether he sends you his insights each night.
About 43 a month
That fits Pro. You can change plan whenever you like.
Lite
Available now£15
a month, plus VAT
25 answers from Kipp a month
- Live dashboard from your Xero
- Kipp in plain English, with sources
- Cash forecast with “what if”
- No invoice drafts
- No insights
About six a week. For a quick look at where you stand.
Pro
Available now£29
a month, plus VAT
150 answers from Kipp a month
- Everything in Lite
- Six times Lite's answers
- Budget, targets and the Growth lab
- Invoice drafts you confirm
- Insights from Kipp, every night
About five a day. For running the business off it.
Elite
Coming soon£49
a month, plus VAT
400 answers from Kipp a month
- Everything in Pro
- Nearly three times Pro's answers
- Confirmation statement for your accountant — iPhone app, coming soon
- Three business connections on one login — coming soon
About thirteen a day. For asking about everything.
Insights — Kipp checks your books overnight and tells you what's worth a look. Invoice drafts — ask Kipp for an invoice, or type one in, and nothing goes into Xero until you press Confirm. Both on Pro and Elite.
Compare the plans
| Feature | Lite | Pro | Elite |
|---|---|---|---|
| See your money | |||
| Live dashboard from your Xero — profit, cash and invoices | Included | Included | Included |
| Money in and out, week by week | Included | Included | Included |
| Spending analysis — where the money went, including drawings, tax and loans | Included | Included | Included |
| Who owes you, and how late they are | Included | Included | Included |
| Twelve-month cash forecast, with “what if” | Included | Included | Included |
| Why your profit and your cash are different | Included | Included | Included |
| Ask Kipp | |||
| Kipp answers a month | 25 | 150 | 400 |
| Accounting standards (FRS 102 and FRS 105) and the UK law and tax library, with the source named | Included | Included | Included |
| Your HMRC and Companies House deadlines | Included | Included | Included |
| Plan and grow | |||
| Tax estimates — Corporation Tax and sole-trader tax | Not included | Included | Included |
| Budget & targets and the Growth lab | Not included | Included | Included |
| Save your forecast plans | Not included | Included | Included |
| Admin done for you | |||
| Invoice drafts you check, approve and send | Not included | Included | Included |
| Insights — Kipp checks your books overnight | Not included | Included | Included |
| Chase messages for overdue invoices iPhone app · coming soon | Not included | Included | Included |
| Receipts photographed straight into Xero iPhone app · coming soon | Not included | 20 a month | Unlimited |
| Confirmation statement prepared and sent to your accountant iPhone app · coming soon | Not included | Not included | Included |
| Your businesses | |||
| Business connections on one login | 1 | 1 | 3 coming soon |
Features marked “iPhone app” arrive with the app, which is coming soon. Elite is coming soon.
Every plan includes
- Turns your Xero into a live dashboard — profit, cash, invoices, spending and a twelve-month cash forecast
- Kipp answers questions about your own money in plain English, and tells you where each figure came from
- Every figure is worked out by the software and checked — Kipp explains it, he never guesses it
- “What if” on your cash forecast: a hire, a price rise, a slow payer — see what it does to your bank balance
- The UK law and tax library, with the source named
- It can't move a penny, and it never sees your bank login
Your seven days free
- Seven days free on Lite and Pro. Your card goes on at the start, on Stripe's own page, and nothing is taken during those seven days — the first payment is on day 8.
- We email you three days before the first payment.
- No minimum term. Cancel any time by replying to any email we've sent you — no form, no phone call, no explaining yourself.
- Used the month's answers? Your dashboard keeps working whatever happens — only Kipp's answers are counted. They refresh on the 1st, and answer packs are coming soon.
Answer packs
Coming soonFor a busy month. One-off, plus VAT, bought once you're on a plan.
£5
25 answers
Coming soon£18
100 answers · save 10%
Coming soon£45
300 answers · save 25%
Coming soonAll prices are plus VAT. We're not VAT registered, so no VAT is charged — the price shown is what would leave your account. If that ever changes, VAT is added on top and you get thirty days' notice in writing first.
Coming soon
What's
on the way.
None of these is available yet. We'll tell you when each one is — not before.
Ledger Mode
For businesses that aren't on Xero. It will read your business bank account and sort what went in and out, so you can see your figures and ask Kipp about them without any accounting software.
MTD Mode
Making Tax Digital for sole traders. It will prepare your quarterly updates for HMRC from your own figures, for you to check before anything is sent.
The iPhone app
Pocket Docket is coming to the App Store: your dashboard and Kipp on your phone, and the invoices Kipp drafts approved and sent from there.
The honest part
What he won't do.
What stays yours.
What Kipp can't do
- No tax advice. He'll tell you what a rule says and where it's written down. What you should do about it is for your accountant. He's software, and nothing he produces is advice.
- No guessing. If no tool has worked a number out, he won't invent one.
- No comparing you to others. He won't tell you what's normal for your trade.
- No reading your bank. He reads your Xero. If it isn't in the books, he can't see it — Ledger Mode, coming soon, is for that.
- The forecast is arithmetic, not a prediction. If your months stop looking like your months, he'll say the line is wrong.
Your books stay yours
- He can't move money. No access to your bank, and he never sees your bank login.
- Read-only on your reports and settings. He can't change any of it.
- He writes to Xero only when you press Confirm — today that means a draft invoice you've checked. Nothing is sent to anyone.
- Your Xero permission is encrypted, and you can pull it from inside Xero whenever you like.
- Never used to train an AI. Not your figures, not your questions.
- Your link locks to your device, with a password and an authenticator app on top if you want them.
“I built this because I got tired of watching good business owners nod politely through a meeting they hadn't followed. That isn't anybody being thick. It's the appointment being the wrong shape for the job.”
Scott Verner
Accountant, Belfast. Keep Your Profits Ltd is a paying customer, on its own books. If it ever stops being worth the money to me, you'll hear it from me first.
Pocket Docket Ltd, 137 York Road, Belfast BT15 3GZ
How it starts
Four steps. One sitting.
Check one thing first
Xero limits how many apps that aren't certified yet one business can connect, and we're not certified yet. Have a look in Settings → Connected Apps.
Confirm your email, then your card
Your card goes on Stripe's own page — we never see the number — and nothing is taken for seven days.
Say yes in Xero, once
Xero asks whether you allow us to read your books and save the draft invoices you confirm.
Ask Kipp something
Start with the thing you'd normally have waited three days and an appointment to ask.
Straight answers.
What is Pocket Docket?
A new all-in-one finance app for small businesses, built to make the money side simpler. It connects to your Xero and gives you a live view of your profit, cash and invoices, with Kipp — an AI finance assistant — answering questions about your own figures in plain English, and showing where each answer comes from. It forecasts your cash and keeps track of your HMRC and Companies House deadlines. On Pro and Elite it also drafts invoices for you to confirm and estimates your tax. Chasing late payments and capturing receipts are coming with the iPhone app. Less admin, time back, and a clear view of where the business stands, so you can make better decisions, keep your cash flowing and grow with confidence.
Can I start today?
Yes. Choose Lite or Pro below — seven days free, and nothing is taken until day 8. Elite and the answer packs are coming soon.
Is this instead of my accountant?
No, and be careful of anything that tells you it is. Keep them — for the return, the tax, the year-end, and every question about what you should do. Kipp is the bit in between.
I'm not on Xero.
Then this isn't for you yet, and we'd rather say so now. Ledger Mode — for businesses that aren't on Xero — is on the way; it's in Coming soon above.
What happens when I've used my answers?
Your dashboard keeps working whatever happens — only Kipp's answers are counted. When the month's answers are used, Kipp tells you plainly and when they refresh — on the 1st. Answer packs are coming soon.
Isn't Just Ask Xero free?
It is, and if all you want is to ask questions about what's in your books, you should use it. Three things are different here: a screen you actually open on a Tuesday morning, an answer that names the rule it rests on and where it's written down, and a short list of things worth a look that arrives without you asking. Judge it on that.
What happens if Kipp gets something wrong?
Two things are built for that. Kipp never does the arithmetic — every figure is worked out by the software and checked against known-correct test cases, and he's handed the finished answer to explain. And when a question rests on a rule, he tells you which rule and where it comes from, so you can check him.
Do I have to learn anything?
No. Nothing to install. It opens in the browser you already use, and it's built for the phone in your hand rather than a desk you're not sitting at.
Are you certified by Xero?
Not yet. We're working towards it and won't imply otherwise while it's in progress — which is why the first step above matters.
Seven days free
Start your
seven days free.
Choose Lite or Pro. Your card goes on at the start, on Stripe's own page, and nothing is taken until day 8 — cancel before then and you pay nothing.
- We email you a link to confirm your address — the next step starts there
- We email you three days before the first payment
- Your Xero isn't touched — you connect it yourself, after you sign up