For UK sole traders

Tax that explains itself.

Track expenses, see your Self Assessment estimate update live, submit MTD quarterly updates, and ask Claude why your bill came out the way it did. Built in Liverpool by people who use it themselves.

No credit card to try. Free tier covers the full feature set.

Tax year 2025/26

Overview

Income £42,180
Expenses £8,420
Estimated tax due £6,351.80 Income tax + Class 4 NIC
Cash needed in January £9,527.70 Includes first payment on account
What's inside

A bookkeeping app that finishes the job.

Most apps stop at "here are your numbers". Accountant takes them all the way through to a Self Assessment estimate, payments on account schedule, and an MTD-ready quarterly update.

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Bank CSV import

Auto-detected profiles for NatWest, HSBC, Barclays, Lloyds, Monzo, Starling, and Revolut. Every other bank: a manual mapping screen with a live preview.

Auto-categorisation

Tag a transaction once and the app remembers. Rules learn priority over time so corrections stick. Bulk recategorise with a preview before you commit.

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Tax engine with working

Personal allowance taper, all three income tax bands, Class 2 + Class 4 NIC, trading allowance, marriage allowance, payments on account. Tap "show your working" to see every step.

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Reports & PDF export

Profit & loss with drill-down to the underlying transactions. Tax year summary as a one-click A4 PDF with the calculation appendix. The document you'd hand an accountant.

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MTD ITSA

HMRC OAuth, fraud-prevention headers, sandbox/live environment toggle, quarterly update submission with the HMRC reference returned. Ready when you are.

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AI advisor

Powered by Claude. Explains your specific tax bill, scans for missed claims, answers UK sole trader basics. Refuses regulated advice on principle.

MTD ITSA

Quarterly updates without the spreadsheet shuffle.

Your transactions already map to SA103 boxes. The quarterly update payload writes itself — you just review the totals and tap submit.

  • Sandbox & production environment toggle
  • OAuth 2.0 with PKCE — your password stays with HMRC
  • Full submission history with HMRC reference numbers
  • Token refresh handled automatically
  • Built to HMRC's published vendor specification
SANDBOX

Submit Q1 update

Income£12,450.00
Allowable expenses−£2,180.00
Profit£10,270.00
AI advisor

"Why is my tax bill so high?"

The advisor reads your actual calculation trace and explains it in plain English. Not a generic chatbot guessing at numbers — it cites your specific personal allowance, your specific bands, your specific NIC rate.

The advisor refuses to give specific tax advice on principle. For "can I claim this trip?" questions you still need a real accountant. We're upfront about that.

Why is my tax £6,351 when last year it was only £2,800?
Your taxable profit jumped from £18,000 to £32,430 between the two years. That £14,430 increase pushed more of your income through the basic rate band (still 20%) and added a noticeable Class 4 NIC bill (£1,465.80 at 6% on profit above £12,570). The personal allowance was fully applied both years, so the growth in tax is roughly proportional to the growth in profit, plus the NIC kicking in.

This is general information, not regulated advice. For your situation, talk to an accountant.

Pricing

Simple, honest pricing.

Free tier covers everything except the AI advisor. No commission. No transaction fees. No surprise upsells.

Free

£0/month

Bookkeeping & reports for sole traders just getting started.

  • Unlimited transactions
  • Bank CSV import
  • Tax estimate with full working
  • P&L & tax year PDF export

Pro

£12.99/month

For full-time self-employed pros and freelancers.

  • Everything in Plus
  • Unlimited advisor questions
  • Multiple businesses
  • Priority support

Available on Google Play.

iOS coming soon. Sign up below for the launch list.