Automated Bookkeeping for UK Freelancers & Small Businesses

With Smart AI's bookkeeping service, you're not just getting someone to ‘do the books’

"You are getting a smarter, smoother way to stay financially in control - We do the heavy lifting, while you grow your business"

Smarter bookkeeping, not just data entry

Focus on growth, not paperwork

Say goodbye to boring spreadsheets

We combine Real humans + automation

What’s Included in Our Bookkeeping Service

Starting fresh? We’ll set up your Xero account properly from day one, so your chart of accounts, bank rules, and tax settings are all aligned with your business.

Already using Xero but things look messy? No problem — we’ll clean it up, fix duplicates, and organise your records. Whether you're new or established, we’ll make sure your bookkeeping foundations are solid and stress-free.

No more manual entry. We’ll link your bank, PayPal, Stripe, or Monzo accounts directly to Xero, so transactions flow in automatically each day.

You’ll always have up-to-date records, and we’ll keep an eye out to ensure nothing goes missing. This means no more downloading CSV files or scrolling through statements — your bookkeeping just happens in the background.

We don’t just throw numbers into categories. We create smart rules inside Xero that learn how your business works — so regular expenses like fuel, software, or client invoices are automatically sorted.

That way, your records are accurate every time, and you can see exactly where your money is going without doing a thing.

Each month, we carefully match your bank transactions with your Xero records to ensure everything is accounted for. This process is called reconciliation, and it’s essential for accurate financial reports.

We handle it for you, spotting any duplicates or missing items and correcting them quickly. Your accounts stay balanced, audit-ready, and always reflect the real picture.

Receipts everywhere? Not anymore. With Hubdoc, just snap a photo of your receipts or email them in, and we’ll match them to your expenses in Xero.

Everything’s securely stored in the cloud — no more lost papers or boxes of receipts. HMRC loves it, and so will you come tax time.

Each month, you’ll receive a smart summary showing how your business performed — profit, expenses, cash position, and anything you should know.

It’s written in plain English, not accountant-speak. No digging through spreadsheets or dashboards — just open your inbox and get the key facts you need to stay on top of your finances.

Tax season doesn’t have to mean panic. With our system, your books are kept clean and updated all year round, so when it’s time to file, we already have everything ready.

No more chasing invoices or receipts. Whether you file a Self Assessment or Corporation Tax return, your financial data will be organised and submission-ready — well before the deadline.

Your numbers shouldn’t be a mystery. Each month, we review your books, check for inconsistencies, and send you a clear summary.

You also get access to your own dashboard in Xero where you can track cash flow, profit, and expenses in real time. Whether you want a quick glance or a deeper dive, the data is there when you need it.

Set up or clean up your Xero account

Connect your bank feeds and automate imports

Monthly reviews, real-time dashboard, and reports

Reconcile transactions and maintain accurate ledgers

Categorise income and expenses using smart rules

Monthly summary sent directly to your inbox

Secure storage of receipts using tools like Hubdoc

Always ready for tax season — no last-minute rush

Ready to Make Bookkeeping Simple?

Book your free discovery call today and let us handle the numbers — while you grow your business.

Why Clients Choose Smart AI Bookkeeping?

We make life easier for our clients. No more chasing receipts, stressing over spreadsheets, or dreading tax season — just simple, smart, human-backed bookkeeping that gives you peace of mind every month.

Real-Time Financial Visibility

Get a clear view of your profit, expenses, and cash position with easy-to-read monthly dashboards. Know what’s working and where to adjust.

Built for Freelancers & Agency Owners

Whether you’re a solo consultant or small team, we’ve built Smart AI to work around you — simple setup, human support, and budget-friendly plans.

Stress-Free Automation

No more spreadsheets, data entry, or hunting for receipts. Our smart tools and systems keep your books updated behind the scenes — automatically.

HMRC-Ready & MTD-Compliant

We keep your records aligned with UK tax standards, so you're always prepared for HMRC reviews, Self Assessments, and Making Tax Digital (MTD).

We connect your accounts, automate your bookkeeping, and make sure everything runs smoothly from day one.

Stress-Free Setup

Your transactions are categorised, your books stay tidy, and everything is kept up to date using Xero and Hubdoc.

Reliable Monthly Bookkeeping

What You Can Expect

Clear Monthly Reports

You’ll receive simple reports that show how your business is doing — profit, cash flow, and what’s changing over time.

📘

🔄

📊

Frequently asked questions

What is automated bookkeeping?

Automated bookkeeping uses smart software like Xero and Hubdoc to manage your books without the need for manual data entry. It connects your bank accounts, pulls in transactions automatically, and categorises them using custom rules — so you always know where your money is going without lifting a finger.

What if I’ve never used Xero before?

No problem at all! We’ll set up your Xero account from scratch, including your chart of accounts, bank feeds, rules, and tax settings. If you're already using Xero but things are messy, we’ll clean up your books and get everything organised.

How do I know my books are accurate?

Every month, we review your transactions, reconcile your accounts, and send you a summary report. You also get real-time access to your financial dashboard in Xero — so you can check your numbers any time and feel confident everything’s in order.

Is your service suitable for freelancers and small businesses?

Absolutely! We designed Smart AI’s bookkeeping specifically for freelancers, consultants, agency workers, and small UK businesses. It’s easy to set up, fully digital, and includes real human support when you need it — no jargon, no stress.

Do I still need to keep paper receipts?

Nope! With Smart AI, you can snap a photo of your receipt or email it straight to your custom Hubdoc address. We securely store everything in the cloud and match each receipt to the right transaction in Xero — HMRC-ready and clutter-free.