AI-powered finance control built specifically for UK SMEs
| Feature | Fin-Central | Xero | QuickBooks | FreeAgent |
|---|---|---|---|---|
| AI Reconciliation | Built-in | Add-on | Add-on | No |
| Open Banking | Yes | Yes | Yes | Yes |
| Xero Sync | Direct | Native | Import | Limited |
| MTD VAT | Direct | Yes | Yes | Yes |
| Cash Flow | AI-Powered | Basic | Basic | Basic |
| Board Pack | Auto | No | No | No |
| Price/mo | GBP 29 | GBP 15 | GBP 14 | GBP 14.50 |
Xero/QuickBooks are bookkeeping. Fin-Central adds AI reconciliation, forecasting, and board-ready reports.