Ledgerless
Business account · August
Safe to spend
That is what is actually yours this month. Ledgerless takes your income, holds back the tax and National Insurance the moment it lands, and shows you one number you can spend without a knot in your stomach.
£9 a month · no transaction fees
Where the money sits
Everything that has landed this month, before anything is held back.
£7,946
Income tax and National Insurance, moved out the moment each payment arrives.
£3,102
A quiet cushion for the month a client pays late. You can release it any time.
£1,426
The only figure on this page you need to remember.
£3,418
Set-aside rate, month by month
We recalculate your set-aside every time you get paid, using your actual year-to-date income, not a flat 30 percent guess. Have a quiet month and the number goes up, not down.
26%
Apr
31%
May
22%
Jun
34%
Jul
29%
Aug
18%
Sep
33%
Oct
37%
Nov
24%
Dec
30%
Jan
35%
Feb
41%
Mar
September was quiet — two invoices, no retainer. The rate dropped to 18 percent and your safe-to-spend number went up the same afternoon.
Filing day
In January we prepare the return, show you every figure and where it came from, and file it when you press one button. If we get the maths wrong, we pay the penalty.
01
Your return is drafted from the payments already in the account. Nothing to upload.
02
Every figure links back to the invoice, expense or transfer it came from.
03
Approve and we file it with HMRC, then pay the bill from the money already held.
04
If we get the maths wrong, we pay the penalty. That is the whole guarantee.
The fee, in full
No transaction fees, no FX markup above 0.4 percent, no charge for filing.
Honestly
Limited companies with employees.
VAT-registered businesses over the threshold yet.
Anyone who enjoys spreadsheets.
If that is you, we would rather say so now than take £9 a month off you for a year.
£85,000
Deposits held at a UK clearing bank and covered to £85,000 by the FSCS. Ledgerless is an agent, not the bank.
Ten minutes, one form
Then stop thinking about January. Your safe-to-spend number updates the moment the next payment lands.
£9 a month · cancel any time · deposits covered to £85,000 by the FSCS