Overview
Make smarter farm business decisions with your Xero data
Farming in 2026 isn't getting easier. Drought risk, commodity price swings, rising input costs, higher interest rates — and a Tax Return that tells you how last year went, long after it mattered.
You need more than compliance numbers. You need a management view of your farm business: live, monthly, and yours to use before decisions get locked in.
P2PAgri is the farm financial planning and forecasting platform built for Australian farmers. It plugs into your Xero account and turns your financial data into a management dashboard, planned vs actual cash flow, a scenario modeller, and a 5-year financial plan — in plain English, built for how farmers and advisers actually work.
What you get
- Monthly planned vs actual cash flow. Build your budget, pull actuals from Xero, and know exactly where you stand every month — not once a year at tax time.
- Scenario analysis for the big calls. What if you bought the neighbour's block? What if drought hits next season? Model any decision before you commit and see the impact across cash flow, profit and balance sheet for five years.
- 5-year plans your bank will back. Project Cash Flow, Profit & Loss and Balance Sheet out to five years. Track the bank ratios lenders actually care about — liquidity, efficiency and wealth — in clear dials and trend charts.
- Management accounting, not tax reporting. Instantly convert your Xero history into Management P&L, Balance Sheet and 17 farm-specific KPIs. See strengths to build on and weaknesses to fix.
- The whole farm, not just the books. Paddock, livestock, pasture, rainfall, crop gross margin and crop marketing — all in one platform.
- Built for collaboration. Invite your accountant or accredited P2PAgri adviser to work with you inside the same platform. No more emailing spreadsheets.
Trusted by Australian farmers
- 2,000+ Australian farms using P2PAgri today
- Over 20 years improving farm profitability and resilience
- Endorsed by Prof. Bill Malcolm, Melbourne University Faculty of Veterinary and Agricultural Sciences
- Featured in the NSW DPI Farm Business Resilience Program
- Integration partner with Xero, research partner with GRDC, training partner with Tocal Ag College
Who P2PAgri is built for
P2PAgri works for broadacre cropping, livestock (cattle and sheep), horticulture, viticulture and mixed enterprises across every Australian region. If you run a farm business on Xero and want more than a Tax Return to steer by, this platform is for you. Accountants and agribusiness advisers use P2PAgri too, alongside their farming clients.
Start free, upgrade when you're ready
P2PAgri Essentials is free forever. It turns your Xero history into management reporting, bank ratios, dials and trend charts — real value before you pay a cent. Upgrade to Season for monthly planned vs actual cash flow, or Future for 5-year scenario analysis.
P2PAgri + Xero
How P2PAgri works with Xero
P2PAgri plugs directly into your Xero account to give you a management view of your farm business — not just a tax view. Your Xero data stays in Xero. P2PAgri reads what it needs to build management reports, cash flow comparisons and scenario models, all with your permission.
What data flows from Xero into P2PAgri
- Chart of Accounts, so your management reporting mirrors your existing Xero structure.
- Trial Balance history — past financial year data is converted automatically into Management P&L, Balance Sheet and bank ratio reporting.
- Monthly transactions — income and expenses flow through each month to power planned vs actual cash flow tracking.
Nothing is written back into Xero. Xero remains your single source of truth for tax and bookkeeping. P2PAgri is your management layer on top.
Step one — historical analysis from day one
When you connect Xero, P2PAgri imports your Trial Balance history and instantly converts it into Management Profit & Loss, Balance Sheet, and key bank ratio reporting. You see performance trends — strengths to build on, weaknesses to address — without re-keying a single figure. Most farmers find this view alone is worth the connection. Banks and lenders love the clarity of a proper management view before they even look at your forecast.
Step two — monthly planned vs actual cash flow
Build a detailed monthly cash flow plan in P2PAgri, mapped to your Xero Chart of Accounts. As each month's income and expenses are entered in Xero, that data is brought into P2PAgri for a clear planned vs actual comparison. You see cash flow gaps coming months in advance — not at year-end when it's too late to fix them.
Step three — stronger bank conversations
The same data that sharpens your decisions sharpens your bank meetings. Accurate, up-to-date forecasts and clean management reporting shorten loan approvals and, in the right circumstances, can earn better interest rates. Advisers using P2PAgri with bank-ready 5-year plans have helped clients secure lower rates and better loan terms.
Works with your farm, your way
- Single-enterprise farms and complex multi-enterprise operations both fully supported.
- Works alongside MYOB data as well, so you're not locked in.
- Your accountant or accredited P2PAgri adviser can connect to the same account and work alongside you.
- Data refreshes on demand — you choose when to pull the latest Xero figures through.
Your data stays yours
P2PAgri only reads from your Xero account with your explicit authorisation. You can disconnect the integration at any time from inside P2PAgri. Your Xero account is never edited, no transactions are written back, and your data is always yours.
Pricing plans
This app includes a free trial
Essentials
- Management Profit & Loss
- Balance Sheet
- Key Bank Ratios with Dials & Charts
- Performance Trend Analysis
- Essentials Dashboard
- Essentials Reports
- Historical Tax Return Analysis
- Xero and MYOB Data Integrated
Season
- Everything in Essentials, plus:
- Monthly Cash Flow Budgeting
- Planned vs Actual Monitoring
- Full Financials Dashboard
- Paddock & Cropping Management
- Livestock & Pasture Management
- Rainfall Tracking
- Marketing Planning
- Notes
- 1-Year Planning Horizon
Future
- Everything in Season, plus:
- 5-Year Cash Flow Plans
- 5-Year Profit & Loss Projections
- 5-Year Balance Sheet Forecasts
- 5-Year Paddock, Livestock & Cropping Projections
- Powerful Scenario Analysis
- Side-by-Side Scenario Comparison
- 5-Year Planning Horizon
Getting started
Getting started with P2PAgri
To begin, use the "Get this app" button on this Xero App Store listing. That's the easiest and fastest way to connect your Xero account to P2PAgri and start seeing your farm in a management view.
Setup in four steps
- Click "Get this app" on this listing. You'll be taken to the P2PAgri sign-up page and asked to authorise the connection to your Xero account.
- Set up your farm. Enter your business name, the month your season starts, your farm type (cropping, livestock, horticulture, viticulture or mixed), and the enterprises you manage.
- Import your Xero history. P2PAgri automatically pulls your Trial Balance data and builds your Management P&L, Balance Sheet and bank ratio dashboards. There's no manual data entry to get going.
- Review your trends and invite collaborators. Check your performance trends, spot strengths and weaknesses, and invite your accountant or accredited P2PAgri adviser to view the same data.
Start free, upgrade when you're ready
The Essentials plan is free forever. It includes your full Xero history, management reporting, bank ratios and dashboards — plenty of value before you pay a cent. Upgrade to Season when you're ready to run a planned vs actual cash flow for the current season. Upgrade to Future when you want 5-year scenario analysis for strategic decisions.
Tips for getting value in the first week
- Connect Xero first and review the auto-built historical dashboards. Most users find immediate insights just from seeing their own numbers this way.
- Invite your accountant or adviser early. The best decisions get made when farmer and adviser work in the same platform.
- If you're heading into a bank meeting, pull the bank ratio view and the 5-year plan together. Lenders respond to the clarity.
- Run the scenario feature on one big "what-if" — a land purchase, a rotation change, an equipment upgrade, or a rate rise — to see how P2PAgri answers real decision questions.
Training and support
- In-app help — step-by-step help text, instructional videos and an AI Assistant available inside the platform.
- Structured training — the Plan to Profit course at Tocal Ag College is the gold standard for farm business management and maps directly to P2PAgri.
- Australian support team — email and phone support from the P2PAgri team, based in Australia, during Australian business hours.
- Accredited adviser network — if you'd rather work with an expert, the P2PAgri adviser directory lists accredited agricultural consultants trained on the platform.
Reassurance
P2PAgri has been helping Australian farmers plan and profit for over 20 years, across 2,000+ farms and 234+ workshops delivered. Your Xero data stays yours — we only read what you authorise, and you can disconnect at any time. Start free, take your time, and upgrade only when the platform is earning its keep on your farm.
