The financial operating system for UK contractors
Automated compliance. Real-time HMRC risk intelligence. A dedicated accountant who knows your situation personally.
£47,300
average tax saved vs. PAYE over a contractor career
4.8M
UK limited companies
864,000
contractors mandated for MTD by April 2026
82% cheaper
Complete plan vs. Crunch (£9 vs £49.50/month)
Everything a UK contractor needs, in one place
Built for limited company directors. Not adapted for them.
IR35 Defence Pack
Answer 8 questions about your contract. Get an outside/inside determination backed by HMRC’s own CEST logic. Store every document HMRC might ask for.
HMRC Radar
8 automated checks run every 48 hours on your financial profile. If something looks like an investigation trigger, your accountant is alerted before you are.
Tax Health Score
A single 0–100 score measuring salary optimisation, pension utilisation, expense capture, VAT scheme, and IR35 clarity. Updated automatically.
Wealth Journey
Track every pound saved since you started contracting. Cumulative tax savings, pension built, net worth estimate — a record no other platform can match.
AI Co-Pilot
Ask anything. Get answers grounded in your real bank balance, actual expenses, and live filing deadlines — not generic tax advice.
Your Accountant
A named specialist contractor accountant assigned to your account. Proactively reviews every HMRC Radar alert. Quarterly strategic review calls included.
Three steps. Then it runs itself.
Step 1
Connect
Link your bank account, HMRC, and Companies House in under 5 minutes. We import your transactions, company data, and filing history automatically.
Step 2
Understand
Your Tax Health Score and HMRC Radar alerts update automatically. Your accountant reviews anything that needs attention.
Step 3
Optimise
Each alert comes with a recommended action. Most things happen with one tap. Complex situations go to your accountant with context already provided.
Finally, software AND an accountant that work together
| Feature | Cledo.tax | FreeAgent | Crunch | Traditional Accountant |
|---|---|---|---|---|
| All filings automated (VAT, CT600, CS01, SA100) | ||||
| IR35 assessment | Separately | |||
| IR35 Defence Pack | Sometimes | |||
| HMRC Radar alerts | ||||
| Tax Health Score | ||||
| Named specialist accountant | ✓ (Plus) | |||
| Price per month | £9–£29 | £19 | £49.50 | £80–£150 |
Trusted by UK contractors
“The IR35 Defence Pack alone is worth the subscription. My accountant signed off my determination in 48 hours and I sleep better at night.”
James T.
IT Contractor, Manchester
£650/day, outside IR35
“I saved £6,200 last year switching to a company pension and the flat rate VAT scheme. The Health Score found both opportunities.”
Priya K.
Business Analyst, London
£580/day, outside IR35
“Moved from a £1,400/year accountant to Cledo.tax Plus at £348/year. The accountant actually contacts me proactively now — first time that’s happened.”
David R.
Project Manager, Edinburgh
£500/day, outside IR35
Start for \u00a39 a month. Cancel any time.
All filings included. Your Health Score calculated immediately. HMRC Radar active from day one.
Create your accountNo credit card required for first 30 days. Then \u00a39/month or \u00a399/year.