Built by a Chartered Accountant · For UK small businesses
Finance and compliance— handled.
Finpliq connects your business finances, organises your records, tracks VAT and deadlines, and keeps you ready for year-end — without the accounting knowledge.
Free plan available · Connect a demo bank in 60 seconds
MTD VATdirect HMRC submission
SA103Fboxes pre-filled automatically
£90kVAT threshold monitored live
9 boxesVAT return pre-populated
app.finpliq.com/dashboard
Dashboard
Good morning, Sarah.
Northwind Studio Ltd · Growth
Safe to spend
£13,330
after VAT & tax reserve
Income this month
£9,840
+12% vs last month
Estimated profit
£6,625
VAT threshold
74%
of £90k · warning at 80%
What needs your attention
3 transactions need a quick look
Open inbox →Invoice INV-004 — £960 overdue from Maven Agency
Chase →VAT return due in 23 days — pack is 91% ready
Prepare →Direct HMRC MTD submissionVAT · ITSA · CISBuilt by a CAUK-specific
The problem
Running a business is hard enough without the finance stress.
Most small business owners are anxious about money — not because things are going badly, but because they can't see clearly.
😰
You don't know what's safe to spend
Your bank balance includes VAT you owe HMRC, tax you'll owe in January, and costs coming next month. The real number is always lower than it looks.
📦
Year-end is a shoebox and a panic
Twelve months of receipts. A weekend of spreadsheets. A bill that's bigger than expected because the accountant had to do all the tidying.
😳
Tax surprises that could have been avoided
The VAT threshold catches businesses off guard. Self Assessment in January. An overdrawn directors' loan. These problems are preventable — with the right information early enough.
🎓
Designed and built by a Chartered Accountant
Every rule, calculation, and output in Finpliq was designed by a CA who has done the work professionally. The credit note logic is legally correct. The trial balance is honestly labelled pre-adjustment. The SA103F box mapping uses real HMRC box numbers. That credibility cannot be faked by a software company.
Features
Everything your business finances need.
No features for their own sake. Every tool here answers a question you actually ask.
🏛️
Direct HMRC MTD submission
Submit VAT returns, MTD ITSA quarterly updates, and CIS returns directly to HMRC — no third-party software. Connect once, file every quarter in seconds.
💳
Safe to spend — instantly
Your real spendable balance after VAT, estimated tax, and fixed costs. A number your bank will never show you — Finpliq calculates it every day.
📥
Automatic transaction sorting
Finpliq categorises your transactions as they arrive. Rules remember your preferences. You review only what genuinely needs a decision.
📄
Invoicing with automatic matching
Raise invoices, track payments. When money arrives in your bank, Finpliq matches it to the invoice — automatically.
🚗
Mileage and expenses
Log business miles and out-of-pocket expenses in seconds. HMRC rates applied automatically. Everything feeds into your year-end pack.
⚠️
VAT threshold monitoring
Finpliq tracks your rolling 12-month turnover and warns you before you reach £90,000. Never be caught by a late registration.
🧾
Tax reserve coaching
Based on your profit, Finpliq tells you what to set aside each month. January stops being a shock. Your tax bill stops being a surprise.
📅
Compliance deadlines
VAT returns, Self Assessment, Corporation Tax, Companies House — all tracked with plain-English checklists of what's still missing.
📊
Full financial reports
P&L, Balance Sheet, VAT summary, SA103F Self Assessment mapping, and cash flow forecast — always live, based on real transactions.
🤝
Accountant-ready packs
Generate a complete workbook in one click — P&L, transactions, VAT summary, mileage log, trial balance. Your accountant will notice the difference.
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 Finpliq
With Finpliq
Weekend sorting bank statements
2 minutes reviewing flagged items
January Self Assessment panic
Pack ready in November
"How much tax should I put aside?"
Shown on dashboard, every month
Accountant charges £800 for year-end
Arrives fully prepared — bill drops
Missed the VAT threshold
Warned at 75% — time to plan
£2,100 in mileage unclaimed
Logged in seconds, auto-calculated
How it works
Three steps. Then it runs itself.
01
Connect your bank
Link a UK business bank account in under a minute, or explore immediately with a realistic demo account — no real bank needed.
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02
Finpliq organises everything
Transactions are sorted, categorised, and matched. Invoices are sent and chased. Deadlines are tracked. It runs in the background.
→
03
You review what matters
A smart inbox surfaces only what genuinely needs a decision. Everything else is handled. Dashboard shows your real financial picture, daily.
UK compliance
Built for how UK tax actually works.
Every threshold, deadline, and rate is maintained by a Chartered Accountant. When HMRC changes the rules, Finpliq updates — without a software deployment.
MTD VAT — direct submission
Connect to HMRC and submit your VAT100 return directly. No third-party software needed.
MTD ITSA — from April 2026
Quarterly digital updates for sole traders earning over £50k. Finpliq keeps your records MTD-ITSA ready.
CIS tracking and returns
Track subcontractor payments, calculate deductions, and prepare monthly CIS returns.
VAT threshold monitoring
Rolling 12-month turnover with five warning states — never be caught by late registration.
SA103F Self Assessment mapping
All Self Employment boxes pre-populated from your Finpliq transactions.
Accountant pack export
XLSX with P&L, TB, DLA, mileage, and VAT — one click. Your accountant arrives fully prepared.
Finpliq submits MTD VAT returns directly to HMRC. MTD ITSA quarterly updates and CIS returns available once HMRC production credentials are added.
See all filing features →Year-end readiness
91 / 100
Transactions reviewed
Bank reconciled
Mileage logged (9,843 miles)
VAT estimate confirmed
!
2 receipts missing for large expensesSA103F boxes ready for review
Accountant pack generated
Year-end
Get your books ready before your accountant sees them.
Finpliq tracks readiness in real time. Missing receipts, unreviewed transactions, unreconciled months — all flagged before they become a problem.
Readiness score
A 0–100 score showing how prepared your records are for year-end.
Automatic checklist
Every item needed — from bank reconciliation to mileage log — tracked automatically.
One-click pack export
P&L, transactions, VAT summary, mileage log, trial balance — one Excel file, in seconds.
Pricing
Simple, honest pricing.
Start free. Upgrade when you need more. No hidden fees, no annual lock-in.
Free
£0/month
Get started, no commitment.
- Bank feed import
- Dashboard — safe to spend + tax reserve
- VAT threshold preview
- Basic deadline reminders
Most popular
Growth
£29/month
Everything you need to run your finances properly.
- Automatic categorisation + rules
- Invoicing, clients, auto-chase
- Mileage log + HMRC rates (auto)
- Manual expenses + receipt scan
- Home office allowance calculator
- Supplier spend intelligence
- Balance sheet + SA103F mapping
- Accountant pack (XLSX)
- Bank reconciliation
- Business health score
Pro
£59/month
CA-grade reporting and year-end handoff.
- Everything in Growth
- Direct MTD VAT submission to HMRC
- MTD ITSA quarterly updates
- CIS return preparation
- Draft Trial Balance
- Directors' Loan Account tracking
- Automatic s455 tax warning
- Adjusting journals
- Period lock + CA certification
- Filing audit trail
- Legal parameter monitoring
Questions
Honest answers.
No marketing spin. If Finpliq doesn't do something, we say so.
Is Finpliq an accountant?
No. Finpliq is a finance workspace that does the mechanical preparation work — organising, categorising, tracking, and packing. When you need an accountant, you arrive fully prepared, which makes their job faster and your bill smaller.
Can I still use my own accountant?
Yes — and most users do. Finpliq generates a professional pack your accountant can use directly. Many find the bill drops significantly because the preparation work is already done.
Can I file VAT directly from Finpliq?
Yes — Finpliq submits VAT returns directly to HMRC via the Making Tax Digital API. Connect your business to HMRC, review the pre-filled VAT100 boxes, confirm, and Finpliq handles the rest. You receive a confirmation reference immediately. MTD ITSA quarterly updates and CIS returns are also supported.
What happens at year-end?
Finpliq generates a complete accountant pack — P&L, transactions, mileage log, VAT summary, draft trial balance, and SA103F mapping for sole traders. Your accountant gets everything they need in one workbook.
Does it track mileage and home office?
Yes. Log business miles and Finpliq applies the correct HMRC rate automatically, splitting at the 10,000-mile threshold. The home office calculator compares the simplified and actual cost methods and recommends the better one.
Is it only for sole traders?
No. Finpliq supports sole traders, freelancers, and limited companies. Limited company features include a Directors' Loan Account tracker with s455 tax warnings, draft trial balance, and adjusting journals.
Know your numbers.
Stay ready.
Join UK sole traders, freelancers, and limited company directors who use Finpliq to stay in control of their finances — without the stress.
Free plan always available · Built by a Chartered Accountant · UK small businesses only