You can create quotes by voice — and £arnd will automatically calculate material quantities and pull current prices from merchants.
Just say "Quote for a bathroom refit, 3 by 2 metres" and £arnd builds the estimate for you.
AI-powered quotes by voice
Automatic mileage tracking
Receipt scanning — snap a photo
Customer portal — online invoice payment
Remind me later
Home
Invoices
Voice
Live Pay
Referrals
Voice trigger — user asks for a Pro feature
9:41●●●
Voice
I heard you
You said
"Create a quote for a bathroom refit, 3 by 2 metres"
Quotes are a Pro feature
Upgrade to £arnd Pro and I can build this quote for you automatically — pulling material prices and calculating quantities from the dimensions you gave.
What Pro would do with this
Calculate floor area — 6m² tiles, adhesive, grout quantities
Pull current trade prices from Screwfix, Wickes, Travis Perkins
Add your labour rate and produce a professional quote to send
Not now — back to home
Home
Invoices
Voice
Live Pay
Referrals
£arnd Pro — features overview page
9:41●●●
Back
£arnd Pro
Work smarter. Earn more.
Everything in £arnd, plus AI-powered tools built for the way you actually work.
AI-powered quotes by voice
Say the job and dimensions. £arnd calculates materials, pulls live trade prices from Screwfix, Wickes and Travis Perkins, adds your labour rate and produces a professional quote in seconds.
Automatic mileage tracking
£arnd tracks your business journeys automatically. Every mile is logged, HMRC-rated and matched to the relevant job. No more manual mileage logs.
Receipt scanning
Snap a photo of any receipt and £arnd reads it — amount, supplier, category — and matches it to the right job. No typing, no losing paper receipts.
Customer payment portal
Your customers get a branded page where they can view and pay invoices online. You get notified the moment payment lands.
+ £X / month
on top of your existing £arnd subscription
Cancel anytime · No long-term commitment
Not now — remind me later
Trust — who are we?
Who are we? — trust page (linked from splash)
9:41●●●
Back
Built by people who've been there.
£arnd was created because accounting software was built for accountants — not for the people actually doing the work.
ICO registered
HMRC recognised
256-bit encrypted
Our story
We watched self-employed tradespeople, hairdressers and dog walkers spend hours on paperwork that should take minutes. Sage and Xero were built for office finance teams — not someone covered in paint at the end of a long day.
So we built £arnd. Say it. It's sorted. You've earnd it.
Regulated & recognised
HMRC recognised software
Approved for Making Tax Digital submissions
ICO registered
Registration no. ZB123456
AML supervised
Registration no. XAML12345
256-bit encryption
Bank-grade security on all your data
Your data
Your data is never sold to third parties
Shared with HMRC only on your instruction
You can export or delete your data at any time
Stored on UK-based servers only
No card needed · No commitment · Cancel anytime
Subscription tiers
Tier selection — trial end / settings / upgrade prompt
9:41●●●
Choose your plan
Your 30-day trial has ended. First month free with any plan.
£arnd Starter
Voice, invoices & jobs
£15/mo
Voice-activated commands
Invoice creation & sending
Jobs — paid & unpaid tracking
Expenses matched to jobs
Quotes
Tax pot & bank reconciliation
MTD & annual tax reporting
Live Pay & VAT returns
£arnd Standard
Starter + tax intelligence
£40/mo
Everything in Starter
Quotes — AI-powered, by voice
Tax pot with bank reconciliation
Making Tax Digital quarterly filing
Annual Self Assessment report
Live Pay & VAT returns
Most popular · Used during your trial
£arnd Complete
Everything, including Live Pay
£55/mo
Everything in Standard
Live Pay — tap to collect payments
VAT return submission to HMRC
Bank payment reconciliation
All plans include your first month free. Annual billing saves 10% — 11 months billed, 12 months access. Cancel anytime.
Main dashboard
Home — updated (new nav, referral shortcut, no HMRC box)
Tap and say something like "Invoice Dave £250 for a boiler service"
Home
Invoices
Voice
Live Pay
Referrals
Invoices — combined invoices, jobs, quotes with tap filters
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Invoices
£2,760
Paid
£480
Outstanding
£285
Overdue
Tap a box to filter · All shown by default
DB
Dave at Buildco
INV-0041 · 8 May
£227
Paid
SM
Sarah Mills
INV-0042 · 10 May
£195
Due
TH
T. Hughes Roofing
INV-0040 · 2 May
£285
Overdue
Jobs in progress
RC
Bathroom refit — R. Collins
JOB-014 · Started 9 May
£850
Job
Convert to invoice
Quotes sent
PW
Kitchen plumb — P. Walsh
QUO-007 · Sent 7 May
£420
Quote
Move to job
Home
Invoices
Voice
Live Pay
Referrals
Live Pay — Stripe contactless
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Live Pay
Collect payments instantly
Spot payment
Amount
£227.00
Reference
Tap card or phone to collect
Hold near customer's contactless device
An invoice will be created automatically when payment is collected
Or collect against an existing invoice
SM
Sarah Mills — INV-0042
Due · 10 May
£195
TH
T. Hughes — INV-0040
Overdue · 2 May
£285
Bank payments received
View and reconcile transfers
Home
Invoices
Voice
Live Pay
Referrals
Referrals — two tiers only, one tap from anywhere
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Referrals
Share £arnd · earn rewards
£
EARND-JS-4821
Anyone who signs up via this link is linked to you
3
Referred
£15
Earned
Customer
Your tier
Referral tiers
1
Customer
You and your friend both get one free month every time someone signs up via your link.
2
Earnr 5 referrals
Earn 10% commission on every payment from everyone you've referred, for 2 years per referral.
2 more referrals until you become an Earnr
Home
Invoices
Voice
Live Pay
Referrals
Settings — cog top right, VAT tracker £70k+ only
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Settings
Your account
Jamie Smith
Sole trader · Plumber
Bank connection
Barclays · Connected
Tax & HMRC
Agent authorised ✓
VAT threshold tracker Appears at >£70k
Approaching VAT threshold
Rolling 12-month: £74,200
£74,200£90,000 threshold
82% to threshold. Approx 4 months at current rate. £arnd alerts you at £85,000.
Subscription
Complete · £55/month
Free month active · renews 1 Aug
Home
Invoices
Voice
Live Pay
Referrals
Tax pot — all scenarios (Standard tier +)
Tax pot — normal state (DD recognised, notification)
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Tax pot
Live reconciliation with HMRC
£656
Estimated tax owed this year
£656 owed£1,120 full year estimate
£200
Paid via DD
£456
Still to pay
HMRC direct debit spotted
£200 paid to HMRC on 1 May via direct debit. Your tax pot has been updated automatically.
Payment history
HMRC direct debit
1 May 2026 · Self Assessment
-£200
HMRC direct debit
1 Apr 2026 · Self Assessment
-£200
Tax calculated at 24% of net profit. Adjusts automatically.
Tax pot — shortfall warning (DD too low)
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Tax pot
Action needed
£1,240
Estimated tax owed this year
£340
Shortfall
£150
Monthly DD
Your direct debit may not cover your bill
Based on your current income, you're on track to owe £340 more than your direct debit will pay. Consider increasing it now to avoid a January surprise.
I'll deal with this later
Tax pot — overpaying alert (DD too high)
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Tax pot
You may be overpaying
£480
Estimated tax owed this year
£240
Credit w/ HMRC
£180
Monthly DD
You may be overpaying HMRC
Your income is lower this year. Your DD is paying £240 more than you're likely to owe.
Leave it as it is
Tax pot — no bank connected
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Tax pot
Connect bank to track payments
£656
Estimated only — no payments tracked
Connect your bank to unlock this
£arnd can automatically track HMRC payments, direct debits and bank transfers — keeping your tax pot accurate without any manual work.
Starter — locked features visible, lock badge on nav
9:41●●●
Good morning
Jamie
Starter
£3,240
This month
Paid
£2,760
Outstanding
£480
Tax pot
£656
Set aside for tax
Standard or Complete only
Tax pot and HMRC reporting from £40/month
Recent invoices
See all
Home
Invoices
Voice
Live Pay
Referrals
Upgrade prompt — bottom sheet when tapping locked feature
9:41●●●
Live Pay
Collect card payments on the spot by tapping your phone. Invoices created automatically.
You used this during your trial
Contactless card and phone payments
Invoice auto-generated on collection
VAT return submission included
£arnd Complete
Unlock Live Pay and VAT returns
£55/mo
Or see all plan options
Earnr programme
Referral tiers — Customer and Earnr (two tiers only)
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Share £arnd
The Earnr programme
Turn referrals into real money
Share your £arnd QR code. Every person who signs up earns you rewards — and the more you refer, the more you earn.
Customer
Everyone starts here
Default
1 month
Free for you and your friend — every time someone signs up via your link
Both you and your friend get one month free when they join
Your unique QR code and link are already on your dashboard — ready to share
No limit — refer as many people as you like
Earnr
Unlocked at 5 referrals
Tier 2
10%
Commission on every payment from every customer you've referred, for 2 years per referral
Auto-unlocked when your 5th referral signs up — we'll ask if you want to activate it
Retroactive lump sum paid immediately — covers the most recent payment from each of your first 4 referrals
2-year clock runs per referral independently — income rolls off gradually, never all at once
Keep referring — every new person you add starts a fresh 2-year clock
How it works
1
Share your QR code or link
Find it on your dashboard — works on WhatsApp, text, social, anywhere
2
They sign up via your link
Your referral code is captured automatically — nothing for them to type
3
Rewards land in your account
As credit against your next bill — shown clearly on your dashboard
4
Hit 5 referrals — become an Earnr
We'll let you know and walk you through activating it
Rewards require an active £arnd account. Commission pauses if your account becomes inactive (60-day grace period for Tier 2). Full terms in Earnr Terms & Conditions.
Trial period & subscription journey
Trial active — dashboard banner (days 1–30)
9:41●●●
Good morning
Jamie
£3,240
This month
Free trial
18 days left
You have full access to everything including Live Pay and VAT returns. Choose your plan before your trial ends — first month free.
Paid
£2,760
Outstanding
£480
Home
Invoices
Voice
Live Pay
Referrals
Trial ending — day 25 dashboard card
9:41●●●
Good morning
Jamie
Trial ends in 5 days
30 Oct
Don't lose what you've built — your invoices, jobs and figures stay with you. Choose a plan and keep going.
First month free on every plan
All your data stays exactly as it is
Cancel anytime — no contract
Next steps — Starter tier (after subscribing)
9:41●●●
Welcome to £arnd
You're on Starter
£15/month · first month free
Your next steps
1
Import your year-to-date figures
Add your turnover and costs from 6 April so £arnd has a complete picture of this tax year.
2
Add your UTR number
Your Unique Taxpayer Reference links £arnd to your HMRC account. You can find it on any letter from HMRC.
3
Connect your bank
Link via Open Banking so expenses match to jobs automatically and payments are tracked.
Want MTD filing and tax reporting?
Upgrade to Standard — from £40/month
Next steps — Standard / Complete tier (after subscribing)
9:41●●●
Welcome to £arnd
You're on Standard
£40/month · first month free
Your next steps
1
Import your year-to-date figures
Add your turnover and costs from 6 April for accurate tax pot and MTD calculations.
2
Add your UTR number
Needed before £arnd can file your MTD submissions and Self Assessment on your behalf.
3
Authorise £arnd as your tax agent
We've submitted your 64-8 authorisation to HMRC. HMRC will post a code to your registered address — this takes around 7–10 days.
Keep an eye on your post. Once it arrives, enter the code in your dashboard to activate full HMRC filing.
4
Connect your bank
Unlocks your tax pot, HMRC payment tracking, and expense auto-matching.
Trial drip sequence — non-converters
Day 25 — Trial ending soon
9:41●●●
£
£arnd
Your accounting assistant
Hi Jamie 👋
Your free trial ends in 5 days.
Here's what you'd be walking away from:
📄 Invoices sent by voice in seconds 📊 Your tax sorted automatically every quarter 🏗️ CIS deductions tracked and offset 💬 WhatsApp invoicing your customers love
Your first month after the trial is on us — so you've got nothing to lose by continuing.
Add your payment details now and carry on without missing a beat 👇
Today, 08:12
Day 30 — Trial ends today
9:41●●●
£
£arnd
Your accounting assistant
Hi Jamie — your trial ends today.
Add your payment details now and your first month is completely free. You won't be charged until month 2.
Choose how you'd like to subscribe:
📅 Monthly — pay as you go, cancel anytime 📆 Annual — 10% off, billed as 11 months
Either way, today costs you nothing.
Today, 07:00
First month free. No charge until month 2.
Day 45 — We miss you (lapsed trial)
9:41●●●
£
£arnd
Your accounting assistant
Hi Jamie — we noticed you didn't continue with £arnd. No hard feelings 👍
But we'd love to have you back. So here's an offer:
🎁 Come back within 7 days and get your first month on us — again.
Making Tax Digital deadlines don't stop. The next quarterly report is due 31 July — £arnd will handle it automatically the moment you're back.
Your account and all your settings are still here, exactly as you left them.
Today, 09:15
Offer expires in 7 days
Drip sequence — timeline overview
Trial drip sequence
Day 0
Signup
Name + email collected. 64-8 submitted silently to HMRC.
Day 7
HMRC card appears
Dashboard card: "HMRC code on its way — keep an eye on your post"
Day 14
SA code entry unlocks
"Not received yet" option appears on dashboard card
Day 25
Trial ending nudge
WhatsApp/SMS: "5 days left — here's what you'd be walking away from"
Day 30
Trial ends
WhatsApp/SMS: "Add payment details — first month still free"
Day 31
Subscription starts
Month 1 free. First charge on day 61 (monthly) or day 31 next year (annual).
Day 45
Lapsed win-back
WhatsApp/SMS: "Come back — another free month, 7-day offer"
Day 90
Cold prospect
Moves to long-term email nurture list. MTD deadline reminders quarterly.
Note: All messages sent via WhatsApp where number provided, falling back to SMS. Email used for payment-related communications only.
Security & login
Login — biometric (primary method)
9:41●●●
£arnd
said. sorted. earnd.
Welcome back, Jamie
Touch the sensor to unlock
Not Jamie? Sign in to a different account
Login — PIN entry (fallback)
9:41●●●
Enter your PIN
6-digit PIN to unlock £arnd
1
2ABC
3DEF
4GHI
5JKL
6MNO
7PQRS
8TUV
9WXYZ
0
Re-authentication — accessing HMRC or bank settings
9:41●●●
Confirm it's you
HMRC & tax settings are protected. Verify to continue.
This extra step protects your HMRC connection, bank link and tax details — even if someone else has your phone.
Cancel — go back
Security settings
9:41●●●
Settings
Security
Unlock method
Fingerprint
Recommended
Face ID
Unlock by looking at your phone
6-digit PIN
Used as fallback
Change PIN
Session
Stay logged in
Re-authenticate after 90 days of inactivity
Extra protection for sensitive areas
Confirm identity when opening HMRC or bank settings
Account
Trusted devices
1 device — this phone
Sign out of all devices
£arnd uses bank-grade 256-bit encryption. Your data is stored on UK servers and never shared without your instruction.