Tools that send reminders automatically

Most invoicing and accounting tools already send reminders without any AI. That's worth knowing first. "Automatic reminder" and "AI reminder" are not the same thing.

This page covers two makers. Their pages were read on 6 November 2026¹². It isn't a ranking, and it doesn't cover every tool. Prices and features change often, so check the maker's own page before you decide.

What each page says

Xero's pricing page states: "Prices are in AUD and include GST."³ It lists the Comprehensive plan at "Then $107 per month". That comes after the first 3 months at an introductory rate.³ The page also says Xero may change pricing at any time. Payment fees are extra.³ Zoho's page gave no price figure.

How to read this

• Reminders are mostly scheduling. The tool knows the invoice, the customer and the due date, because they're in its own records. That's a different job from a chatbot's.
• The AI feature named for Xero drafts invoices, not reminders. Its page says JAX can draft an invoice.¹ It doesn't say JAX writes reminder wording, so don't assume it does.
• Prices are for particular plans. The Xero plan shown above is one of several. Whether a given plan includes reminders is something to confirm on the maker's page. The pricing page lists the plan features, and reminders were described on the invoicing page.³
• "Free" can still have limits. Look for what's excluded: users, payment fees, extra features.
• Your region matters. Features, plans and prices differ by country. The pages above are Australian editions.

Questions to ask about any tool

1. Does it send reminders on a schedule, and can you change the timing?
2. Can you edit the wording of each reminder, or only use the maker's template?
3. Does it offer AI help, and if so, for what? Invoices, reminders, bookkeeping, something else?
4. What does the AI feature see? Your whole customer list, or only what you select?
5. Is there a way to pause reminders for one customer, such as someone in a dispute?
6. Does it log what was sent and when?
7. What does the price include, and in which currency and country?
8. Where do the maker's own help pages describe how data is stored and used?

Official Australian guidance says that failing to conduct appropriate due diligence may create a range of risks when you adopt a commercially available AI product.⁴ Reading the maker's documentation before you switch on a feature is part of that.

Tool or chatbot?

• Built-in reminders suit regular, predictable follow-ups. A person sets them up once and checks the invoice list.
• A chatbot suits one-off wording, such as a tricky message. It doesn't know your invoices, so you check every fact. The pre-send checks are on this page, and the privacy advice is on another page of this site.
• Either way, keep a person in charge of sensitive cases. The overview of what AI can do explains the split.