What's inside
Everything a UK small business needs — plus your personal finances.
A quick tour of what you get for £10 a month, and how the £1-a-month Personal workspace fits alongside.
Sales
Invoice without the friction.
- 📄 Branded PDF invoices — per-customer templates, your logo, your bank details, your terms.
- 🌍 Multi-currency from day one — invoice in GBP, USD, EUR, NOK, anything. Each customer can have their default currency.
- 🔄 Recurring invoices — weekly, monthly, quarterly schedules. Auto-approve and auto-email if you want.
- 📧 Direct email send — with branded HTML wrapper, summary card, payment details, and PDF attached.
- 💳 Payment tracking — mark paid, allocate part-payments, age the rest.
Banking
Reconcile in minutes, not hours.
- 📥 Bank statement imports — generic CSV with column mapping, plus pre-built parsers for Revolut Business and Interactive Brokers exports.
- 📄 AI PDF parsing — drag a PDF statement and Claude extracts the transactions for you.
- 🤖 Auto-matching engine — learns from your past matches and suggests the right counter-entry. Confirm with a click.
- 📐 Matching rules — "anything from Stripe goes to Sales", "anything to AWS goes to Hosting".
- 📊 Multi-currency balances — hold balances in any currency; the dashboard shows live FX-converted totals.
Expenses
Drop a receipt. Done.
- 🧾 AI receipt parsing — drag a PDF or image, watch the form auto-fill with vendor, date, amount, VAT.
- 📋 Personal expense claims — track what the business owes you and reimburse in one batch.
- 🎯 Contact-aware defaults — pick the ledger account, classification, and reimbursement rule once per supplier; we fill it in next time.
- 🔌 REST API — submit expenses headlessly with a simple API key.
HMRC & VAT
MTD-VAT, properly built in.
- 🇬🇧 Direct HMRC submissions — OAuth-connect once, file your return in two clicks.
- 📋 Live obligations — HMRC tells us which periods you owe; we auto-calculate the boxes from your data.
- 💰 "What you owe" panel — pulled live from HMRC. No more digging through portals.
- 🔒 Fraud-prevention compliant — full set of Gov-Client headers built in, ready for production.
Reports
The reports your accountant asks for.
- ⚖️ Trial Balance — period-bound, drill into any account.
- 📈 Profit & Loss and Balance Sheet — with multi-currency asset positions on the dashboard.
- 📒 General Ledger — full audit trail per account.
- ⏰ Aged Debtors & Aged Creditors — see who owes you (and who you owe) at a glance.
- 🧮 VAT Summary — per-rate breakdown for sales and purchases.
- 📤 Customer statements — branded PDF, email-ready.
Personal
Your own money, same engine.
- 🏠 Household chart of accounts — Salary, Rent / Mortgage, Groceries, Utilities, Subscriptions, Transport, Holidays. Seeded for you.
- 📈 Net worth at a glance — cash + savings + investments + property, minus credit cards / mortgage / loans. Watch it tick up over time.
- 🥧 Where this month's money went — top spending categories with proportional bars right on the dashboard.
- 🏘️ Investment property tracking — per-property accounts (value, mortgage, rent, expenses) with quick-add rent and expense forms. Sees your YTD net rental income at a glance.
- ⚡ Quick add — four fields (date, amount, category, account) and you're done. For everything else, your bank import takes care of itself.
- 💷 £12 a year, billed annually — £1 a month if you'd rather think of it that way. Free if you already pay for the £10 Business plan.