For UK business owners on Xero · £24 a month
You're not bad with numbers. Nobody ever explained them to you.
I'm Kipp. I read your Xero and I answer questions about your own money in words you already use — six in the morning, eleven at night, as many times as you like. No appointment. No clock running. Nobody to feel thick in front of.
Your books stay yours. I can't move a penny, and I never see your bank login.
“who owes me money and how late are they?”
Six customers owe you £8,940. Four of them are more than thirty days late. The biggest is Ardglass Catering at £3,120, forty-one days over — do you want me to draft the chasing email?
From your Xero · this morning
It was never explained. That's the whole problem.
I've watched this a hundred times. You sit down with someone once a year, they read figures at you for forty minutes, and you come out knowing less than you went in. Then you're handed a document and you haven't a clue where any of it came from.
Your accountant isn't the problem. The appointment is. You shouldn't need one to find out what you made last month.
So ask me instead. Ask me twice. Ask me the thing you'd be embarrassed to ask a person — I've no face to pull.
What you can ask me
Ask me anything about your own money.
In your own words. However you'd say it out loud. I'm not fussy about spelling and I don't need you to know the right term.
“who's my biggest supplier this year”
Kingsmill Supplies — £14,210 across eleven bills. That's close to a fifth of everything you've spent this year. Want it broken down by month?
From your Xero
“what did b and q cost me”
Found them — B & Q. Twenty-two bills, £3,470, all paid. The biggest single one was £610 in March.
From your Xero
“what's the dividend tax rate”
I'm not going to give you a rate I can't date-stamp. These move, and a wrong one here is expensive. That's a question for your accountant — it's exactly what you pay them for.
Refused rather than guessed
That last one matters more than the first two. I'd rather be the boring one who says “ask someone else” than the confident one who costs you money.
How far it goes
I read the whole ledger. Not just the front page.
Most things that claim to explain your accounts read the headline numbers and stop there. I open the drawer.
Ask me what's inside any account on your books and I'll itemise it — then I'll add my own list up and check it against the ledger. If there's a piece I couldn't itemise, I'll name it and tell you how much. I'd rather hand you an awkward answer than a tidy one that's wrong.
- Any customer or supplier by name — everything you've invoiced them, everything they've billed you, everything that's been paid
- Any account on your books, opened up and itemised — and reconciled, with anything I couldn't place named out loud
- Money that went out of the bank with no bill against it, listed by who got it
- Your trial balance, balance sheet, profit and loss, cash position, who owes you, who you owe, and your biggest customers
What you actually get
I'm the part that talks. This is the part that shows.
4-week cash projection
On that path you run out in week 4, at −£7,740. Stagger the supplier payments or bring the collections forward.
Owed to you — by age
Ardglass Catering — £3,120, forty-one days overCHRONIC
You've been handed a set of accounts before. Thirty pages, a dozen figures you didn't recognise, and no idea which one to look at first. That's not a document — that's a filing exercise.
Every chart on here has a sentence under it telling you what it means. Not a legend. A sentence. You should never have to ask what you're looking at.
Look at those two lines. The solid one says you're fine — you drift down a bit and you're still sitting on £16,740 in a month. The dashed one is the same business actually paying everyone it owes on the day it said it would. That one is under water by week three.
Same books. Same month. The difference is when, and nobody ever shows you the when. So I do.
And nothing on here is called a receivable. Money that's late is Current, under one month, one month, two months, three months, older than three months — because that's how you'd say it.
- Pulse — what happened this week, this month or this year, written out in words before you reach a single chart
- Cashflow — what's there, what a typical week looks like, and how long it lasts at the rate you're going
- Owed & Owing — who to chase and who to settle, ranked, with the ones who are always late marked as such
- Customers & Channels — your biggest customers and where the money comes from, for the year to date
- Budget & Targets — what you said you'd do, against what you've done
- Action Centre — the three things worth doing this week, put into a plan you tick off
- Growth Lab — the profit you want, and the levers that get you there
- Kipp AI — me
- Connections — your Xero, and the switch that ends it
When you don't know what to ask
You don't have to know the right question. That was always the unfair bit.
Every time your figures move, I write you a list. Up to eight things worth fixing, ranked, in pounds, in plain English. The top three become do these three things this week. You put them in a plan and tick them off.
You don't have to go looking. That's the point.
Looking forward
Tell me what you want to make. I'll show you the ways to get there.
Put in the profit you want this year and I'll work backwards on your real figures, not a worked example. Raise your prices — every extra pound of that is profit, because you do no more work for it. Sell a bit more each time. Cut what things cost you. Win regular customers at what you actually average. Trim your overheads. Get paid sooner — though I'll tell you straight that one changes your cash, not your profit.
I'll also tell you how many months your cash covers your spending at the rate you're going. And if there isn't enough history to work that out honestly, I'll say so rather than make one up.
What it costs you
£24 a month. Here's the honest arithmetic.
One invoice you'd otherwise have let run another three weeks. That's the whole year paid for. I'm not promising you that — I'm telling you the size of the thing.
Bringing someone in for ten hours a month to do this costs, typically, somewhere between £150 and £300. I'm £24. I'm also not a bookkeeper, and I'd have told you that before you asked.
And I'm not here to replace your accountant. Keep them. You need them — for the return, for the tax, for the year-end, for every question I refuse. I'm the bit in between. The bit where it's Tuesday night, you've got a question about your own money, and there's nobody to ask.
You do this three nights a month. Put your own hourly rate on that. You'll pass £24 before you've finished the sum.
The unflattering part
What I can't do.
You'd find all this out eventually. Better you hear it from me now.
- No tax advice. Not a rate, not a deadline, not what a decision will cost you. I'm software, not an accountancy or tax service, and nothing I produce is advice.
- I can't tell you why. I can show you that something moved and what it's made of. Why it moved is yours — you were there, I wasn't.
- No comparing you to anyone else. I won't tell you what's normal for your trade, and I won't guess what your trade is.
- My cash projection is arithmetic, not a prediction. I run your typical week forward and show you where it gets tightest. I'm not guessing what next month brings — if your weeks stop looking like your weeks, that line is wrong, and I'd rather you heard that from me than found it out.
- I don't read your bank. I read your Xero. If it never made it into the books, I can't see it.
- I can't write you a quote. I can draft you an invoice, and it sits there as a draft until you approve it.
- I never invent a number. If I don't know, I'd rather be the boring one who says so.
Who's behind it
I'm not the one who sold you this. He is.
I'm Scott Verner. I'm an accountant in Belfast.
I built this because I got tired of watching good business owners nod politely through a meeting they hadn't followed, then go home no wiser than when they came in. That isn't anybody being thick. It's a forty-minute appointment being the wrong shape for the job.
Keep Your Profits is a paying customer. Same £24, same card, same fourteen days free as you get. If it ever stops being worth that to me, you'll hear it from me before you hear it from anyone else.
Pocket Docket Ltd, 137 York Road, Belfast BT15 3GZ
Your books
Your books stay yours.
- I can't move money. There is no version of this where I can. I've no access to your bank and I never see your bank login.
- On your reports, your contacts and your settings I can only read. I can't change any of it.
- The one thing I can write is a draft invoice. A draft sits in your Xero doing nothing at all until you open it and approve it. Same with a chasing email — I write it, you decide whether it goes.
- Your Xero permission is encrypted. And you can pull it from your side, inside Xero, whenever you like, without asking anyone here.
- Nothing of yours is ever used to train an AI. Not your figures, not your questions.
- Your link locks to your device. You can put a password and an authenticator app on top of it if you want to.
Before you click
What actually happens when you press that button.
Check one thing first.
Xero limits how many apps that aren't certified yet one business can connect, and I'm not certified yet. Open Settings, then Connected Apps in your Xero, and have a look. If it's already busy in there, get in touch before you start and we'll sort it between us. Two minutes now saves you a wasted evening.
Say yes, once.
Xero asks whether you allow me to read your books. You say yes. That's the whole job, and you never do it again.
Give me a few minutes.
I go and read the lot, and put it on one screen.
Ask me something.
Anything. Start with the thing you'd normally have waited three days and an appointment to ask.
Price
£24 a month. Fourteen days first.
What leaves your account
£24 a month. That is what leaves your account — we're not VAT registered, so there's nothing added on top. If that ever changes, you get thirty days in writing and you can walk that day. It's in the terms, not just something I'm saying.
Start 14 days free- Fourteen days free, from the moment you connect.
- Your card goes on at the start. Nothing is taken during the trial.
- We email you three days before the first payment, so nothing lands on your statement as a surprise.
- Cancel by replying to any email we've sent you — in the trial or a year in. We act on it the same working day, and we won't ask you to fill in a form, telephone anyone or explain yourself.
- One business per subscription. Two companies means two of them.
I take a limited number of businesses and then I stop and open a waiting list. That isn't a sales tactic — it's what one person can look after properly while still answering his phone.
Straight answers.
Is this instead of my accountant?
No, and I'd be careful of anything that told you it was. Keep them. You need them — for the return, the tax, the year-end, and every question I hand back. I'm the bit in between.
I'm not on Xero.
Then this isn't for you yet, and I'd rather say so now than walk you through a trial that ends the same way.
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 accounting rule it rests on, and a list of things worth fixing that arrives without you asking. That's the difference and it's the only one. Judge it on that.
What happens if you get something wrong?
Two things are built specifically for that. I never do the arithmetic — every figure on your screen is worked out by the software and checked against known-correct test cases, and I'm handed the finished answer and asked to explain it. And when a question rests on an accounting rule, I tell you which rule and where it comes from, so you can check me.
Do I have to learn anything?
No. Nothing to install and no software to get your head round. 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.
Why £24?
Because it's roughly what an hour of an accountant's time costs you once a quarter, and you get to ask me as often as you like. I'd rather price it where you don't have to think about it than where you have to justify it.
Are you certified by Xero?
Not yet. We're working towards it and I'm not going to imply otherwise while it's still in progress. That's also why step 1 above matters — Xero limits how many apps that aren't certified yet one business can connect.
Ask me the thing you've been embarrassed to ask.
Fourteen days on your own real figures, not a demo account. If at the end of it I haven't told you something you didn't already know, cancel it and we're square.
Start 14 days freeStart free
Fourteen days, on your own real figures.
Not a sample account and not a demo video — your business, your numbers, from the Xero you already use. If it doesn't tell you something useful in the first week, walk away and owe us nothing.
- Card taken on Stripe's own page, not charged for 14 days
- I can read your Xero and draft an invoice you approve — nothing else, and you can switch it off from inside Xero whenever you like
- Connect your Xero in the same sitting — no queue, no waiting on us
- No mailing list and no follow-up sequence if you say no