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, opening soon — join the list and we'll email you once.
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.
The week, in a sentence
Pick a period, or tap a week on the chart
How long your cash lasts
Tap what would buy you more time
Who owes what
Tap a customer
Twelve months ahead
Drag the sliders — try customers taking 60 days
The profit you want
Pull a lever, or type the number you want
Ask Kipp
Tap a question
Which period are you looking at?
What happened, in a sentence
This week the business took in £8,740. After £7,760 of costs it kept £980 — 11.2% of everything that came in. The week before brought in £8,620, so what came in is up £120.
Came in
£8,740
Went out
£7,760
Kept
£980
Share kept
11.2%
The last six weeks — tap a week
Came inWent out
How long your cash would last
5.3
weeks of spending covered
You hold £41,200. A normal month costs you £33,640.
What would buy you more time
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 the bank, month by month
In the bank today
£41,200
The tightest it gets
£41,200
today
Where you land
£62,100
in twelve months
Pull one and see what happens
What that would be worth
Profit for the year, with your changes
£51,120+£0 vs current pace
Money you can collect now
£8,940
already overdue — needs no plan
Extra coming in each week
£0
from new regular customers
Cash freed up, once
£0
from getting paid 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.
“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.
- Your overdue book is more than a fifth of what you're owed
- Wages are taking a large share of what comes in
- What comes in and goes out 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.
Opening soon.
Every plan gets the whole dashboard and all of Kipp. The only difference is how many answers Kipp gives you in a month.
About 43 a month
That fits Pro. You can change plan whenever you like once they open.
Lite
Opening soon£15
a month, plus VAT
25 answers from Kipp a month
About six a week. For a quick look at where you stand.
Pro
Opening soon£29
a month, plus VAT
150 answers from Kipp a month
About five a day. For running the business off it.
Elite
Opening soon£49
a month, plus VAT
400 answers from Kipp a month
About thirteen a day. For asking about everything.
Every plan includes
- The full dashboard, live from your Xero — profit, cash, invoices, spending and the cash forecast
- Kipp on your own books, telling you where the figures came from
- The UK law and tax library, with the source named
- Invoice drafts you check and confirm
- “What if” on your cash forecast
When the plans open
- Fourteen days free on every plan. Your card goes on at the start, on Stripe's own page, and nothing is taken during those fourteen days.
- 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. Buy an answer pack or wait for the next month.
Answer packs
Opening soonFor a busy month. One-off, plus VAT, bought once you're on a plan.
All 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
When the plans open
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 fourteen 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.
Can I start today?
Not yet. The three plans open soon. Join the list and we'll email you once, the day they do — no card, nothing to cancel.
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 you can buy an answer pack or wait for the next month.
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.
Opening soon
Be told
the day it opens.
Tell us which plan you're interested in — you can change your mind when it opens. Joining the list takes no card and starts nothing.
- One email, when the plans open. No mailing list and no follow-up sequence.
- No card, no trial started, nothing to cancel
- Your Xero isn't touched — you connect it yourself, after you sign up