SMPL.ai for Finance teams on Xero

What Xero data supports in SMPL

Xero holds the accounting record: the chart of accounts, invoices, bills, bank transactions, journals, and the tracking categories many companies use for departments or regions. In SMPL, that record drives these workflows.

• Financial statements from Xero

  Accounts, manual journals, invoices, and bills become the income statement, balance sheet, and cash flow statement, reported the same way every month.

• Departmental reporting from tracking categories

  Xero tracking categories, often used for department or region, are mapped to the management P&L so spend can be reviewed by function rather than only by account.

• Cash position and runway

  Bank transactions, receivables, and payables give a current cash position, which becomes the starting point for a monthly cash forecast and runway that respond to hiring and bookings.

• Budget versus actual

  Xero actuals sit alongside a driver-based budget and forecast, with variances explained by the drivers behind them.

Combined with the rest of your operating data

The metrics investors ask a SaaS company for are not in the ledger. SMPL connects Xero to the systems that hold them, in one model.

• Billing for ARR and retention

  Xero records invoices but not subscription movements. Billing data from Stripe, Chargebee, Maxio, or another platform supplies the ARR waterfall, churn, and retention.

• CRM for pipeline

  Deals from HubSpot or Salesforce supply pipeline and expected bookings for the revenue forecast.

• Payroll and HR for headcount

  Employee and compensation data from your payroll or HR system, such as Gusto, Rippling, or Deel, drives the headcount plan and its effect on opex and cash.

What you can produce and decide

• SaaS metrics next to the ledger

  ARR, net and gross revenue retention, and churn reported next to recognized revenue from Xero, with the reasons they differ explained.

• A three-statement budget

  A driver-based budget across the income statement, balance sheet, and cash flow statement, starting from Xero's ending balances.

• Cash decisions made early

  Plan Assurance shows the monthly cash low point and how it moves under stress cases, so a financing or hiring decision is made before cash gets tight.

• Investor and board reporting

  A consistent monthly package with ARR, the statements, cash, and headcount from one model, and commentary drafted from calculated variances.

Illustrative example. A company bills monthly through Stripe and keeps its books in Xero. ARR grew 8% in the quarter, but cash fell faster than expected. The model shows that three larger customers moved from annual prepayment to monthly billing at renewal. Revenue is unchanged, but the cash forecast now shows a lower low point in November, and the hiring plan is resequenced accordingly.

SMPL leads the implementation

SMPL takes responsibility for the data integration, mapping, configuration, and financial validation. Your team supplies the definitions, reviews the results, and makes the decisions.

1. 1

   Agree scope and access

   We confirm which Xero organisations, tracking categories, and periods are in scope. SMPL connects to Xero with read-only access or works from structured exports.

2. 2

   SMPL maps the accounts

   SMPL maps your chart of accounts and tracking categories to statement lines and the management P&L, and documents each decision for your review.

3. 3

   SMPL connects billing, CRM, and payroll

   Subscription, pipeline, and headcount data are mapped to the same customers, departments, and months as your Xero actuals.

4. 4

   Validate together

   SMPL ties the statements and cash to Xero and ARR to your billing source. Your team reviews the results and confirms definitions.

5. 5

   Refresh on your close calendar

   After go-live, your team initiates each refresh when your books close, on your own close calendar, and can load intra-month cash or pipeline data whenever you need a current view.

Discuss your Xero environment

Bring a short description of your Xero setup, where subscriptions and billing live, which CRM and payroll systems you use, and what your investors or board ask for today. We will walk through how SMPL would connect it and what your team would see at the end of implementation.

Frequently asked questions

What FP&A software works for SaaS companies on Xero?

SMPL.ai is FP&A and financial intelligence software for SaaS Finance teams, and it brings Xero accounting data together with billing, CRM, and workforce information for SaaS metrics, cash planning, budgeting, Plan Assurance, and board reporting. SMPL leads the integration and implementation, including data mapping, configuration, and financial validation.

How does Xero data get into SMPL.ai?

As part of implementation, SMPL either connects to Xero with read-only access or works from structured exports. SMPL maps and validates the data. After go-live, your team initiates each refresh when your books close, on your own close calendar, and can load intra-month cash or pipeline data whenever you need a current view.

Can SMPL.ai calculate ARR if our ledger is Xero?

Yes, using subscription data from your billing platform. Xero records invoices and revenue, while ARR, churn, and expansion come from subscription movements. SMPL combines both and reports ARR next to recognized revenue.

We run more than one Xero organisation. Does that work?

Yes. Each Xero organisation is mapped during implementation, with its entity and currency information retained, and organisation-level views are scoped with your team. Where you need a combined view, SMPL works from the consolidated results your team already prepares, including your currency translation and intercompany eliminations, and reconciles to them. SMPL reports and plans on that consolidated foundation rather than recreating the consolidation itself.