Built for UK sole traders, contractors & limited companies
Know your real business
position. Every day.
See what you can safely spend, what customers owe you, what you owe HMRC, and what needs doing next — all in one workspace. VAT, payroll, CIS and Self Assessment filings stay organised in Finpliq, with clear review steps before anything is sent. Plain English for owners. Proper accounting records for accountants.
✓No card needed
✓Set up in minutes
✓Cancel anytime
✓
🏛️
VAT return readyVATMaking Tax Digital✓
📄
CIS return readySubcontractor returnsConstruction Industry Scheme✓
🧾
Company tax readyCorporation TaxCT600 filing✓
🏢
Annual accounts readyCompanies HouseStatutory accounts✓
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Self Assessment readyPersonal tax returnIncome tax✓
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Payroll filing readyPayroll to HMRCRTI submissionAll systems connected
VAT
Filed directly to HMRC
Payroll
Sent to HMRC on payday
4 filings
VAT, Payroll, CIS and Self Assessment
£0
Start free — no card needed
HMRC filing in one placeVAT, payroll, CIS and Self Assessment.
Multi-businessOne login, one dashboard, all entities.
Year-end accountant packEverything your accountant needs, one click.
Chartered Accountant builtProper records. Plain English on top.
The problem
Running a business is hard enough
without the finance anxiety.
Most small business owners don't know what's actually safe to spend. They dread the January tax bill. They turn up to their accountant with a shoebox. Finpliq changes that.
01
You don't know what's safe to spend
Your bank balance includes VAT you've collected and tax you'll owe. Finpliq shows your real spendable number — updated daily.
02
Year-end is a shoebox and three panicked weekends
Finpliq keeps records organised all year. By the time your accountant asks, everything's already done.
03
Tax bills that should have been predictable
The VAT threshold catches businesses off guard. January surprises sole traders. Finpliq tracks everything and warns you early.
How it works
Your finances at a glance.
Every morning.
The Finpliq dashboard tells you what you can safely spend today, what's due to HMRC, and what needs your attention — without any accounting knowledge.
Safe to spend — your real balance after setting aside VAT, estimated tax, and upcoming liabilities. Updated every day.
Upcoming deadlines — VAT, payroll, CIS and tax deadlines shown clearly so nothing is missed.
Needs your attention — only the transactions that require a decision. Everything else is handled automatically.
Safe to spend today
£14,280
After VAT reserve and estimated tax — your genuinely spendable balance
Bank balance£23,410
VAT reserve— £4,820
Tax reserve— £4,310
This month income£8,640
VAT return — Q1 2026
Due 7 August 2026
Payroll — July 2026
Due 19 July 2026
Income Tax — Quarter 1
Due 5 August 2026
Transactions to review
3
Invoices outstanding
£6,200
Features
Everything you need to keep
business money under control.
Every feature answers a real owner question: what came in, what went out, what is owed, what is due, and what is safe to spend.
Filing
Keep key HMRC filings under control
Review VAT, payroll, CIS and Self Assessment figures in Finpliq, then send them when you are ready. Confirmation references stay with your records.
Core & ProDashboard
Safe to spend — your real number
Finpliq subtracts estimated tax, VAT, and fixed costs from your balance. Shows what's genuinely yours to spend, updated daily.
Transactions
Sorted as they arrive
Every bank transaction categorised automatically. You only ever see the small number that genuinely need a decision.
Invoicing
Raise, send, chase, and match
Create an invoice and send it. Finpliq chases overdue payments and matches each payment the moment it lands in your bank.
Core & ProPayroll
Calculated and filed on payday
Enter your employees once. Finpliq calculates PAYE, NI and pension, then helps you send the payday payroll report to HMRC.
Core & ProMulti-entity
Multiple businesses — one account
Sole trader and Ltd company? One login, combined portfolio dashboard. Each business is fully separated — records, filings, VAT.
Import
Switch from FreeAgent, Xero, or QuickBooks
Upload a CSV. Source detected automatically, categories mapped, opening balance posted. Your full-year figures stay correct from day one.
Core & ProCompliance
VAT threshold monitoring
Rolling 12-month turnover tracked with five alert states. Never be caught by a surprise breach at £90,000.
Year-end
Accountant pack — ready when you need it
P&L, transactions, mileage log, VAT history, payroll summary, and draft trial balance. One click. Everything your accountant needs.
Core & ProWhat our users say
Real businesses.
Real results.
Sole Trader
“I used to dread January. Last year I filed my Self Assessment in November — everything was already in Finpliq. My accountant said it was the cleanest set of records she'd seen from a sole trader. Saves me a fortune on her bill.
Rachel O.
Freelance Graphic Designer · Leeds
Ltd Company
“We run three businesses. Before Finpliq we had three different spreadsheets, two accountants, and a constant low-level panic about what we actually owed HMRC. Now I open one dashboard and I know exactly where we stand across all of them.
Marcus T.
Director · Property & Consulting Group · Birmingham
Contractor
“The CIS verification used to take me twenty minutes and two phone calls. Finpliq does it in seconds. And payroll goes to HMRC on the same day I confirm it — no separate software, no extra logins. I genuinely can't imagine going back.
Daniel A.
Building Contractor · Manchester
The difference
Show up to your accountant
fully prepared — for the first time.
Most small business owners dread the annual accountant email. The shoebox, the spreadsheet weekend, the bill that's always bigger than expected.
Finpliq does the mechanical work continuously. By the time your accountant asks for anything, it's already organised, categorised, and packed.
Before FinpliqWith Finpliq
Weekend sorting bank statements
✓ 2 minutes reviewing what Finpliq flagged
January Self Assessment panic
✓ Pack ready in November, filed calmly
"How much tax do I need to put aside?"
✓ Shown on dashboard, updated daily
Accountant charges £800+ to tidy records
✓ Arrives fully organised — bill drops
Crossed VAT threshold without realising
✓ Warned at 75% with time to plan
Three separate tools for payroll, accounts, HMRC
✓ One login — everything in one place
UK Compliance
Built for how UK tax
actually works.
Every threshold, deadline, and rate maintained by a Chartered Accountant. When HMRC changes the rules, Finpliq updates.
Core & Pro
VAT return — ready to review
Your VAT return is prepared from your records, ready for review and submission with the confirmation kept in Finpliq.
Core & Pro
Payroll — direct to HMRC
Confirm payroll in Finpliq and it goes straight to HMRC on payday. No separate payroll software, no middleman.
Core & Pro
Self Assessment support
Track income, expenses and tax figures across your businesses so your personal tax position stays clearer.
Core & Pro
Construction (CIS) — direct to HMRC
Verify subcontractors, calculate deductions, and file monthly CIS returns directly to HMRC.
Core & Pro
Self Assessment figures
Every Self Assessment box for self-employed people filled from your Finpliq transactions.
Core & Pro
Switch from any platform
Switch from FreeAgent, Xero, QuickBooks, or Sage. Source detected, categories mapped, opening balance posted.
Pricing
Simple, honest pricing.
Start free. Upgrade when you need HMRC filing, invoicing, and payroll.
Free
£0/mo
1 business · No commitment
- ✓Bank feed — syncs automatically
- ✓Dashboard — safe to spend and tax reserve
- ✓VAT threshold monitoring
- ✓Basic deadline reminders
Most popular
Core
£24/mo
Up to 3 businesses · +£15/mo each additional
- ✓Everything in Free
- ✓Smart sorting of bank transactions
- ✓Invoicing — raise, send, chase, match
- ✓File VAT directly to HMRC
- ✓Send payroll reports to HMRC on payday
- ✓File CIS returns directly to HMRC
- ✓Self Assessment figures
- ✓Year-end accountant pack
Pro
£44/mo
Unlimited businesses · Portfolio view
- ✓Everything in Core
- ✓Unlimited businesses
- ✓Combined profit view across all businesses
- ✓Multi-business portfolio dashboard
- ✓Advanced cashflow view
- ✓Cross-business deadline view
- ✓Year-end protection locks
Why Finpliq is different
Accounting power underneath.
Plain English on top.
Finpliq keeps the proper accounting engine behind the scenes, but explains each decision in business language so non-accountants can act with confidence.
01
Payroll filing without another payroll app
Run payroll, review the figures, and send the required payday report to HMRC from Finpliq. The accounting entries and confirmation reference are stored for you.
02
One view across your businesses
See income, taxes to set aside, and deadlines across your businesses in one place. Core includes 3 businesses, with additional businesses at +£15/mo each.
03
Proper records, explained simply
Reports keep proper accounting terms, while help text explains what each figure means. Drill down from a report number to the transactions behind it.
Questions
Honest answers.
Does Finpliq replace my accountant?
No. Finpliq keeps your records organised, explains what needs doing, helps with filings, and prepares year-end packs. When you need an accountant, your records are already clean and ready to review.
Can I manage HMRC filings from Finpliq?
Yes — Finpliq brings VAT, payroll, CIS and Self Assessment workflows into one place, with clear review steps and filing evidence stored against your records.
Can I run payroll in Finpliq?
Yes. Enter your employees once — Finpliq calculates PAYE, National Insurance, and pension contributions. Confirm payroll and Finpliq sends the Full Payment Submission directly to HMRC. HMRC's confirmation reference is stored in Finpliq.
I use FreeAgent / Xero / QuickBooks — can I bring my data in?
Yes. Export a CSV and upload it to Finpliq. The source is detected automatically, categories are mapped, and switching mid-year generates an opening balance journal so your full-year figures are correct from day one.
Can I manage more than one business?
Yes — Core supports up to 3 businesses (additional at £15/mo each). Pro is unlimited. Every business has its own records, bank feed, VAT, and filings — plus a portfolio dashboard showing combined income, tax, and deadlines.
What happens at year-end?
Finpliq generates a complete accountant pack — P&L, transactions, mileage log, VAT history, payroll summary, draft trial balance, and SA103F mapping. Your accountant or Finpliq's CA can review it. For Ltd companies, the CA can file statutory accounts and Corporation Tax on your behalf.
Your finances, sorted.
Your HMRC filings, done.
Finpliq gives UK sole traders, freelancers, and limited company directors a clear view of their finances — what's safe to spend, what's owed to HMRC, and what's needed at year-end. Built by a Chartered Accountant.
✓ Free plan available
✓ Chartered Accountant oversight
✓ Payroll filing from Finpliq
✓ VAT · CIS · Self Assessment · Multi-business