Think inside your AI world.
How do I connect Xero to Claude?
Xero maintains an official MCP server with granular read-only scopes, so the accounts can reach Claude without write risk — the books stay books.
Direct answer: add Xero's official MCP server as a connector in Claude (Settings → Connectors, then authorise against your Xero organisation; Claude Code takes it via 'claude mcp add'). The read surface is broad: invoices, bills, contacts, bank transactions, expense claims, P&L, balance sheet, cash flow, trial balance, aged receivables and payables, chart of accounts. Scopes are granular and read-only access is a first-class option.
What you can ask once it's live
The month's P&L, who owes what and how overdue, the cash position across accounts, an expense claim's state — answered from the organisation's live books. For a founder doing their own finance review, that alone replaces a lot of clicking through report menus.
Where the books stop
Say your standing rule is a tax set-aside: a quarter of each month's profit moves to the reserve before anything else is spent, ratified after a lean January taught you why. Xero reports profit precisely; whether this month's set-aside actually cleared a quarter, and what that rule exists to protect, is bookkeeping about your judgement — a ledger no accounting package keeps.
The measured read
Through Unl the same live figures land against that ratified rule: profit read, set-aside checked, and the answer arrives as 'short of your quarter — the reserve rule you set after January isn't met yet'. The read stays one-way; Xero remains the source of truth for the numbers. What travels with them is your standing, so the review ends in a verdict instead of a spreadsheet moment.
Xero to Claude is an official connector and ten minutes; Xero through Unl is the same books read inside the financial rules you ratified, so 'how are the accounts?' returns your answer, not just your figures.
Reads through Unl arrive with measured context — in the presence of the decisions you’ve already settled. The reach lane is live: one box, paste anything. If it speaks MCP, Unl can reach it. Readings arrive unprompted, the data beside the criterion; Unl is a courier, not a warehouse, and keeps only your keys and the frame.
Read further
Questions people ask
Is there an official Xero MCP server?
Yes — maintained by Xero, with granular scopes and read-only options. It exposes invoices, bills, contacts, bank transactions, expense claims and the core reports: P&L, balance sheet, cash flow, trial balance, aged receivables and payables.
People search 'connect ChatGPT to Xero' — same answer?
Same server, same protocol: MCP clients including ChatGPT can add it just as Claude does. It has become a recurring guide topic precisely because the official server made the connection genuinely straightforward.
Will Claude be able to change my books?
Only within the scopes you grant, and Xero's read-only scopes exist exactly so you can withhold writes entirely — a read-only grant means Claude can see and reason over the books but change nothing. Unl is a second gate on the same question rather than a substitute for that one: a read only reads, and where a server does expose a tool that writes, calling it takes your explicit in-turn gesture, verified at the choke point. It is never something a read does on its own.
Does Unl keep a copy of my accounts?
No. What Unl reads is quarantined for the turn and never kept — no query text and no read content reaches our telemetry. The books stay in Xero. What Unl holds is the rule you ratified and the reasoning you set it on, which is a few lines you wrote, not a copy of your ledger.
What would I ratify in Unl for the accounts?
The lines you would notice being crossed. Say you hold a rule that any single new recurring charge above £200 a month gets a second look before it renews, set after one quietly compounded for a year unnoticed. Xero holds the transactions; the rule and the reason it exists are what turn the monthly read from a list you scan into 'this one crossed your line, and here is why you drew it there'.
What this is
Think inside your AI world — you stay in command
Unlimitless (Unl to friends) holds what you've settled, reads what your tools are showing, and catches what's changed out in the world — and hands your AI whatever bears on the work, the moment it's needed, without you asking. The right thing, in front of the model, unprompted, with you in command of the call. So you keep moving toward what you set out to build, on top of everything you've already decided.
It plugs into Claude, Claude Code, ChatGPT and Cursor as an MCP connector. Quick to connect, in a couple of steps.
Unlimitless is open now to invited Alpha. Apply for the Beta waitlist to come in ahead of the full launch:
Alpha is invite-only · free at launch.