Accounting and tax, handled properly.

Bookkeeping, invoicing, VAT, payroll and tax returns in one place. Professional-grade accounting for UK sole traders, landlords and limited companies, in plain English.

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  • Built for Making Tax Digital
  • Read-only bank access
  • UK data protection
13 left to classify

68% of this quarter sorted · 27 of 40 transactions

SG

Shell Garage

Fuel · Contactless · 18 June 2026
£152.40
PersonalBusiness

Proper accounting, without the jargon.

Accurate books, the right tax and on-time filing, run by you in minutes a week.

Books that keep themselves

Your bank feed brings every transaction in and suggests the right category. Confirm with a swipe, and the records HMRC expects are kept as you go.

Every deadline in one place

Quarterly updates, VAT, payroll, CIS and Corporation Tax each run to their own calendar. PactTax tracks them all and tells you what is due before it is late.

Checked before it is sent

Every return is worked out from your records and shown line by line before anything is sent. No exporting, no re-keying, no copying figures into another system.

From bank feed to filed return.

The same three steps for a quarterly update, a VAT return or the year end.

1

Connect your bank

Secure, read-only open banking brings in the last 12 months and keeps it up to date.

2

Sort in seconds

Swipe to mark business or personal. PactTax learns your merchants, so every quarter takes less time.

3

File with confidence

See exactly what will be sent, line by line, and keep a record of every return.

Everything your business files, in one place.

Start with your books. Add VAT, payroll or company accounts when you need them, all from the same records.

Bookkeeping

Bank feeds, smart categories, receipts and rules.

Invoicing

Send invoices, chase them, and match payments automatically.

Making Tax Digital

Quarterly updates and the year-end declaration.

VAT

Nine-box returns from records you have already sorted.

Payroll

Payslips, RTI submissions and auto-enrolment.

CIS

Subcontractor deductions and monthly returns.

Company accounts

Annual accounts and Corporation Tax for limited companies.

Reports

Profit and loss, tax estimates and cash-flow insight.

Accountant access

Read-only access for your accountant whenever you want a second pair of eyes.

Built for the way UK businesses run.

Sole traders

Freelancers, contractors and tradespeople who want their books and tax handled without learning accounting.

Landlords

Rental income and property expenses kept per property, and apart from personal spending.

Limited companies

Payroll, VAT, annual accounts and Corporation Tax for small companies and their directors.

Security you can hand your accountant.

Built around HMRC's rules

Digital records kept the way Making Tax Digital expects, from day one.

Read-only bank access

We never move your money. You pay HMRC directly, as always.

UK data protection

Sensitive data encrypted, and your records exportable whenever you want them.

Estimates only — not tax advice. Always confirm figures with a qualified adviser if unsure.

Straightforward pricing.

Your first filing is on us, so you pay once you have seen it work. Prices include VAT.

Standard

Everything one business needs to keep its books and meet Making Tax Digital.

£120/year

Or £12 a month. Paying yearly saves £24.

  • Unlimited transactions and bank connections
  • Quarterly updates and the year-end declaration
  • Invoicing with automatic payment matching
  • Half the price of entry-level Xero
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Plus

Most complete

For more than one business or property, with the full picture across them.

£180/year

Or £18 a month. Paying yearly saves £36.

  • Everything in Standard
  • Unlimited businesses and properties
  • Combined tax and National Insurance estimate
  • Analytics and cash-flow insight per business
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Add what your business needs

Priced per business, per year. Add them whenever you are ready.

  • VAT returns£36/year
  • Payroll£84/year
  • CIS£48/year
  • Company accounts and Corporation Tax£120/year
  • Business bundle: payroll, CIS and company filing£199/year

Common questions

PactTax keeps your books from your bank feed and files your returns to HMRC. It covers bookkeeping, invoicing, Making Tax Digital, VAT, payroll, CIS, and annual accounts and Corporation Tax for limited companies. You add only the parts your business needs.

No. PactTax is built for business owners, not accountants. Everything is in plain English: money in and money out, what is due and when. If you have an accountant, you can give them read-only access.

Yes. Add a limited company alongside any sole-trade or property business. Payroll, CIS, VAT, and annual accounts with Corporation Tax are available per company.

From April 2026, sole traders and landlords above the income threshold must keep digital records and send HMRC quarterly income and expense updates using recognised software — not just an annual Self Assessment form.

Yes. MTD adds quarterly updates throughout the year. You still complete an end-of-year declaration, but your software already holds the figures from each quarter.

Your total gross income from self-employment and UK property before expenses. Employment income, dividends, and pensions don't count toward the MTD threshold.

PactTax uses read-only open banking. We can see transactions to help you classify them — we cannot make payments or move funds from your account.

Yes. PactTax supports UK rental income with property-specific expense categories and keeps rental transactions separate from personal spending.

You maintain separate digital records for each income source under one PactTax account — exactly what HMRC requires.

Your books in order. Your filings on time.

Set up in minutes. Your first filing is on us.

Start free — first filing on us

No accounting degree required. Cancel anytime.