Accounting built around your books
Deep, books-based accounting built for accurate financial management, inventory and real business reporting — with a true double-entry engine underneath every transaction.
| Code | Account | Type | Balance |
|---|---|---|---|
| 1000 | Cash & Bank | Assets | 2,840,500 |
| 1200 | Accounts Receivable | Assets | 612,300 |
| 1400 | Inventory | Assets | 1,204,750 |
| 2000 | Accounts Payable | Liabilities | 388,900 |
| 4000 | Sales Revenue | Revenue | 5,910,000 |
| 5000 | Cost of Sales | Cost of Sales | 3,120,400 |
Save one invoice.Six things happen.
XOZO connects purchases, inventory, sales, cost of sale, journals, and balances into one continuous accounting system — so your reports always reflect what is actually happening in the business.
One screen. One save. Everything on the right follows on its own.
Stock leaves the warehouse
50 bags issued from Karachi Central Depot, oldest FIFO layer consumed first.
We built XOZO because we felt every one of these pain points.
Manual bookkeeping, disconnected apps, stock surprises, and compliance headaches shouldn't slow your business down. XOZO brings it all together.
"My accountant sends Excel sheets. I still don't understand my finances."
You're flying blind — staring at historical tables with no live visibility.
XOZO gives you live P&L, Balance Sheet, & Cash Flow — always current.
"I manually enter journal entries for every transaction. It takes hours."
Manual bookkeeping is error-prone, slow, and a waste of your team's time.
XOZO auto-generates ledger journals on every invoice. Zero manual input.
"My invoices fail because I don't know my real stock levels."
Overselling destroys customer trust and creates operational chaos.
XOZO validates stock before invoices are issued, blocking overselling.
"I use 4 different apps for sales, inventory, accounting, and reports."
Siloed data leads to massive reconciliation discrepancies and gaps.
One platform. One database. Every single module talks to every other.
"FBR e-invoicing has me terrified. I don't know if I'm compliant."
Non-compliance risks heavy penalties, tax audits, and severe disruption.
FBR Digital E-Invoicing is native. Every invoice is auto-compliant.
"Bank reconciliation takes my team 3 full days every month."
Matching statement items manually creates massive headache and logs backlog.
XOZO matches bank transactions with general ledger items in 15 minutes.
"Year-end closing is a nightmare. I never know if my books are right."
Closing entries and balance carry-forwards are highly error-prone.
XOZO automates year-end closes, carry-forwards, and read-only locks.
"I run an e-commerce agency. I need something simple, not an ERP."
Full ERP systems are massive overkill, expensive, and complex to configure.
XOZO AgencyOS is built exactly for agencies. Fast, focused, & affordable.
"I don't know who owes me money or when I'm actually going to get paid."
Untracked receivables make cash flow unpredictable and force you to chase customers manually.
XOZO tracks outstanding invoices, due dates, aging, and collections so you always know what is owed.
One platform. Different business needs.
Whether you manufacture, trade, provide services, or manage multiple client books, XOZO adapts to the way your business actually operates.
Trading Businesses
Complete purchase-to-sale workflows, automated receivables and payables, credit limits, and real-time stock alerts.
Service Businesses
Effortless client invoicing, expense tracking, smart retainers, and immediate profit visibility.
CA Firms & Accountants
Manage multiple client ledgers from one central login and generate clean, audit-ready financial statements.
Corporate Finance Teams
Structured bank reconciliation, year-end controls, financial reporting, and tax-ready accounting workflows.
A real financial engine.
Built correctly.
Explore the core financial operations powering XOZO AI Accounting — from transactions and inventory to reconciliation, reporting, and year-end closing.
Complete Sales & Purchases Cycle
Manage operations cleanly from quotation to final book closing, with proper credit checks, balance validations, inventory controls, and digital sales tax workflows.
Every Action. Properly Recorded.
Business actions with financial impact automatically generate balanced journal entries that post directly to your ledger books and real-time reports.
"Purchase invoice #INV-8821 from Wholesale Supplies Ltd on 30-day credit."
One Subscription. Multiple Branches.
A company can manage multiple branches under one subscription. Each branch operates in its own environment while feeding directly into master corporate financials.
A complete accounting toolkit
All the building blocks of a serious accounting system, designed to work together out of the box.
Double-Entry Ledger
A real general ledger where every transaction is balanced with automatic debits and credits.
Journal-Driven Records
Sales, purchases and adjustments post to journals automatically — your books stay accurate.
Inventory & Cost of Sale
Track stock, valuation and cost of sale so profit reflects real business activity.
Actual Profit
See true profitability from books and inventory, not just cash coming in.
Opening & Closing Balances
Clean period closes with carried-forward balances and full audit trail.
Multi-Branch
Run multiple branches under one company and one subscription with separate dashboards.
Rich Reporting
Profit & Loss, Balance Sheet, Trial Balance, Cash Flow and dozens of operational reports.
FBR-Ready
Structured records and reporting designed to align with FBR e-invoicing requirements.
Multi-Currency
Record and report across currencies for businesses trading internationally.
Get started in under an hour.
No long ERP onboarding timelines. No massive consultation fees. Simple, fast setup.
Create Your Company
5 min setupConfigure company details, financial year, select chart of accounts templates, and key in your opening balances.
Add Products & Contacts
10 min importImport your client list, supplier contacts, and inventory stock items via custom templates. XOZO remembers everything.
Start Transacting
Runs immediatelySimply generate client invoices, log purchases, or key in utilities. AI posts proper double entry accounts in real time.
Get Real-Time Insights
Always currentOpen filterable reports — P&L, Balance Sheets, and Receivables aging. Export to Excel or print PDF charts instantly.
Start free. Grow when you are ready.
Choose the accounting plan that fits your business today. Upgrade as your team, branches and transaction volume grow.
Free Plan
No credit card required.
Monthly Limits
Reporting Access
Basic Reports
Essential reports for everyday bookkeeping.
Included Capabilities
- Fixed Assets & Depreciation
- Bank Reconciliation
- Bulk Excel / CSV Imports
- FBR Digital E-Invoicing
- Accountant Connection
- Desktop Application
- Priority Phone Support
- Online Support
Pro Plan
Everything you need to run and grow your business.
Monthly Limits
Reporting Access
Financial Reports
Complete financial statements and accounting analysis.
Included Capabilities
- Fixed Assets & Depreciation
- Bank Reconciliation
- Bulk Excel / CSV Imports
- FBR Digital E-Invoicing
- Accountant Connection
- Desktop Application
- Priority Phone Support
- Online Support
Enterprise Plan
Advanced tools for established and multi-location businesses.
Monthly Limits
Reporting Access
Advanced Reports
Advanced reporting and deeper business intelligence.
Included Capabilities
- Fixed Assets & Depreciation
- Bank Reconciliation
- Bulk Excel / CSV Imports
- FBR Digital E-Invoicing
- Accountant Connection
- Desktop Application
- Priority Phone Support
- Online Support
FBR Digital E-Invoicing is currently under testing. Production availability will follow once the integration is fully validated.
Real businesses. Real results.
From Karachi to Lahore — 500+ Pakistani businesses run on XOZO.
"Bank reconciliation used to take my accountant 2 full days every month. With XOZO it takes 20 minutes. The auto-matching is genuinely magical — I didn't believe it until I saw it."
Ahmed Raza
CEO, Raza Traders (Import/Export)
Karachi, Pakistan
"Journal entry automation saved us 15+ hours per week. Every transaction is correctly recorded, every report is accurate. Our auditors reviewed our books and were genuinely impressed."
Sara Iqbal
CFO, TechMart Pvt Ltd
Lahore, Pakistan
"I run 3 e-commerce stores. AgencyOS gives me P&L and cash flow for all 3 in seconds. I finally know which store is actually profitable — something I could never figure out before."
Hassan Malik
Owner, DropShip Masters
Karachi, Pakistan
"My clients used to call me for every small report. Now they log into XOZO and see everything live. It's made my job easier and their peace of mind so much better. I recommend it to every client."
Fatima Khan
Senior Accountant, Khan & Associates
Islamabad, Pakistan
"AgencyOS is exactly what agency owners need. Simple, fast, focused on cash flow. I'm not paying for features I'll never use. The inventory validation alone has saved me from so many overselling mistakes."
Bilal Chaudhry
Founder, Urban Droppers Agency
Lahore, Pakistan
"Multi-company support is incredible. We manage 4 separate entities in one platform. Year-end closing used to take a week of pain — XOZO does it properly in one afternoon."
Zara Siddiqui
Director Finance, MediCare Supplies
Rawalpindi, Pakistan
Questions about Accounting
XOZO is a growing business software ecosystem — one platform that brings together specialized business applications such as accounting and agency management, with more apps in development.
Your business deserves intelligence.
Start with XOZO today.
Join 500+ Pakistani businesses running smarter with XOZO. Setup takes under an hour, with no complex prior accounting knowledge required.