Account balances
The Account balances view shows your balance-sheet accounts — assets, liabilities and equity, including director and intercompany loans — as at a date you choose. It's a read-only snapshot pulled from Xero's Trial Balance, cached by date so repeat views are instant.
Any paid plan
Account balances are part of the in-app dashboard, available on any paid plan (Pocket and up). On the Free plan, point your agent at the agentic API instead; the in-app dashboard prompts you to upgrade.
Open it from the dashboard at Accounts → Balances (/accounts/balances).
Choosing a date
By default the view shows balances as at today. Use the As at date picker to look at any past date — a month-end close, the start of a quarter, or the day a loan was drawn down. Past dates are immutable, so they load straight from the cache.
Reading the table
Accounts are grouped into three sections, each with a subtotal:
| Section | What it holds |
|---|---|
| Assets | Bank, receivables, fixed assets, prepayments |
| Liabilities | Payables, loans (incl. director & intercompany), tax |
| Equity | Share capital, retained earnings, drawings |
Balances are signed, debit-positive: a credit-balance liability (like a loan you owe) shows as a negative figure. Each section subtotal sums its accounts so you can reconcile against your books.
Cached vs live, and force refresh
The caption under the table reads "as at <date> · source: cached/live":
- cached — every figure was served from the date cache (today's cache is refreshed automatically every 12 hours).
- live — the figures were just pulled fresh from Xero.
Press Force refresh to bypass the cache and re-pull live from Xero. If Xero's API rate limit is hit during a refresh, the view shows a banner and falls back to the most recent cached balances for that date rather than failing — the limit resets automatically within a few hours.
Sensitive accounts
Accounts an admin has flagged as sensitive (for example a director loan) have their name and code masked for non-admin members — the row shows "Sensitive account" instead. The balance is never masked, so section subtotals and the overall picture still reconcile. Admins see every account name in full. The caption notes how many accounts were masked for you.
Reconciling intercompany loans
Because the view exposes individual loan accounts as at a date, you can reconcile an intercompany loan across two companies: open the view for each company at the same date and compare the matching loan balances. The same data is available headless via the agentic API and the cashrunway.get_account_balances MCP tool for agent-driven reconciliation.