said. sorted. earnd.
Prototype v0.1
Onboarding flow
Screen 1 — Welcome splash
9:41●●●
£arnd
said. sorted. earnd.

Your books, done by voice.

Invoices, expenses, quotes and HMRC quarterly reporting — just say the word. Built for the self-employed.

No card needed. No commitment. Cancel anytime.

Screen 2 — Your details
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Tell us about you

Just the basics — takes 60 seconds

For verification — no spam, ever.

EARND-MK-7741 change

Pre-filled from your invite link. Tap to override.

Screen 3 — Business type
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How do you trade?

This shapes how we set up your account

Sole trader
Self-employed in your own name
Partnership
Two or more people trading together
Limited company
Registered at Companies House
Screen 3b — Coming soon partnership / ltd only
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Back

£arnd business

For limited companies and partnerships

Coming soon

£arnd business is built for limited companies and partnerships. Leave your details and you'll be first to know when it launches.

Many ltd company directors also use £arnd for personal self-employment income.

Screen 4 — HMRC registered?
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Are you registered with HMRC?

As self-employed or for Self Assessment

Yes — I have a UTR number
Already told HMRC you're self-employed
No — not registered yet
You need to contact HMRC first
Making Tax Digital means you must report quarterly to HMRC. £arnd handles this automatically.
Screen 4b — No UTR branch: not registered
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Let's get you registered

One quick step before £arnd can file for you

1
Register as self-employed
Takes about 10 minutes online via GOV.UK
GOV.UK
Register as a sole trader
www.gov.uk — official HMRC registration
2
HMRC will post your UTR number
Arrives within 10 days of registering
3
Come back and add it here
Everything in £arnd is ready and waiting
You can still explore £arnd while you wait for your UTR — you just won't be able to file with HMRC until it arrives.

We'll remind you when to come back

Screen 5 — Tax details & CIS
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Your tax details

Nearly there — last step

Developer note: the VAT number field below appears automatically when "Yes" is selected above. Shown expanded here for reference.

9 digits, starting with GB — found on your VAT certificate from HMRC.

£arnd will automatically add VAT to your invoices and track your returns.
Construction Industry Scheme
CIS — mainly for trades and construction

Are you paid under CIS? If so, 20% is deducted before you receive payment — £arnd records this automatically.

Yes — I'm registered for CIS
20% deducted at source
No — not on CIS
I receive my full invoiced amount
Not sure
We can work this out together later
CIS deductions count as tax already paid — £arnd offsets these against your Self Assessment bill automatically.
Link via Open Banking
Expenses auto-matched to jobs
Encrypted end-to-end. Only shared with HMRC on your instruction. Never sold.

Skip bank connection — add it in settings later

Activation — first invoice
Screen 6 — Celebration
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You're all set, Jamie.

£arnd is ready to work for you. Here's what we'll take care of every day:

Invoices sent instantly
By voice, email or WhatsApp
Expenses saved automatically
Matched to jobs as you go
Quarterly HMRC reports
Filed on time, every time

We'll walk you through it and delete everything at the end

Screen 7 — Voice test (listening)
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Test invoice — step 1 of 3

Say your customer's name

Tap once to start. Stops automatically when you pause.
"Dave at Buildco"

Heard
"Dave at Buildco"
Screen 8 — Invoice preview
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Test invoice — step 3 of 3

Here's your invoice

Jamie's Plumbing
powered by £arnd
Invoice to
Dave at Buildco
Date
11 May 2026
Labour — boiler service£150.00
Parts£47.00
Call-out fee£30.00
Total£227.00

Send this to yourself to see exactly what Dave receives

Screen 9 — How it lands in your books
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Here's how that lands

This is what £arnd records automatically

Invoice sent
£227
Awaiting payment
Tax pot
£54
Set aside (24%)
This quarter
£227
1 invoice
Next HMRC report
31 Jul
85 days away
Making Tax Digital — ready
£arnd will file your Q1 report automatically on 31 July
This was a test — all data will be deleted. Your real books start fresh.
HMRC agent authorisation — runs silently in background
Developer note — not a visible screen
// Background process — day 0
1. User completes onboarding
2. £arnd submits 64-8 to HMRC silently
3. No screen shown to user
4. Automated WhatsApp/SMS sent (see below)
5. Dashboard card appears day 7
6. "Not received" option unlocks day 14
// SA code format
Starts with letters SA followed by 8 digits
e.g. SA12345678
Day 0 — Automated WhatsApp message
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£
£arnd
Your accounting assistant
Day 7 — Dashboard card appears
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Good morning
Jamie
HMRC code on its way
Keep an eye on your post

We've applied to HMRC to act as your tax agent. They'll post you a code — usually arrives within 7–14 days.

Application submitted
64-8 sent to HMRC
Waiting for your code
HMRC posting to your address
Enter code in £arnd
Unlocks full HMRC filing
2 invoices awaiting payment
£480 outstanding
Next HMRC deadline
31 July — 76 days away
Day 14 — Code entry + not received option
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Good morning
Jamie
Your HMRC code should have arrived
Enter it below when ready

Enter the code from your HMRC letter. It starts with the letters SA followed by numbers — e.g. SA12345678.

Application submitted
64-8 sent to HMRC
Enter your SA code
From the letter HMRC posted you
Enter your code
SA
1
2
3
4
2 invoices awaiting payment
£480 outstanding
Confirmed — authorisation complete
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Good morning
Jamie
HMRC agent authorised
£arnd can now file on your behalf
You're fully set up with HMRC
Quarterly reports filed automatically.

Your next Making Tax Digital submission covers 6 April – 5 July. £arnd will file it automatically on 31 July.

2 invoices awaiting payment
£480 outstanding
Next HMRC deadline
31 July — 76 days away
Post-onboarding — data import
Data import — triggered dashboard card
9:41●●●
Good morning
Jamie
Bring your figures across
Needed for accurate VAT tracking

To track your VAT threshold accurately, £arnd needs your turnover and costs from 6 April to today.

Enter your year-to-date figures

From 6 April to today

£
£
VAT threshold is £90,000. Once your rolling 12-month turnover hits this, you must register. £arnd tracks this automatically.
Cancel your old subscription
Guides for Xero, Sage, QuickBooks, KashFlow
Main dashboard
Home — income overview
9:41●●●
Good morning
Jamie
£3,240
Total income
4 invoices · 2 awaiting payment · £480 outstanding
Paid
£2,760
2 invoices
Outstanding
£480
2 awaiting
Expenses
£347
6 this month
Tax pot
£656
Set aside (24%)
Recent invoices
See all
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
Next HMRC deadline
76 days
Q1 submission due 31 July. £arnd will file automatically — nothing to do.

Tap and say something like
"Invoice Dave £250 for a boiler service"

Home
Invoices
Voice
Jobs
Settings
Dashboard — invoices
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Invoices
£2,760
Paid
£480
Outstanding
£285
Overdue
All
Paid
Unpaid
DB
Dave at Buildco
INV-0041 · 8 May 2026
£227
Paid
SM
Sarah Mills
INV-0042 · 10 May 2026
£195
Due
TH
T. Hughes Roofing
INV-0040 · 2 May 2026
£285
Overdue
PC
P. Carter Ltd
INV-0039 · 28 Apr 2026
£550
Paid
JW
J. Williams
INV-0038 · 22 Apr 2026
£180
Paid
Home
Invoices
Voice
Jobs
Settings
Dashboard — jobs with expenses
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Jobs
Track paid and unpaid work
All
Unpaid
Paid
Boiler service — Dave at Buildco
8 May 2026 · INV-0041
Paid
Invoiced£227.00
Received£227.00
Expenses on this job
Parts — boiler valve
Merchant receipt · 7 May
£47.00
Fuel — site visit
Mileage · 8 May
£12.40
Net profit£167.60
Radiator install — Sarah Mills
10 May 2026 · INV-0042
Due
Invoiced£195.00
Received£0.00
Expenses on this job
Radiator + fittings
Merchant receipt · 9 May
£68.00
Net profit (when paid)£127.00
Home
Invoices
Voice
Jobs
Settings
Dashboard — settings (inc. VAT tracker £70k+)
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Settings
Your account
Jamie Smith
Sole trader · Plumber
Bank connection
Barclays · Connected
Tax & HMRC
Agent authorised ✓
VAT threshold tracker
Approaching VAT threshold
Rolling 12-month turnover: £74,200
£74,200 earned£90,000 threshold
You're 82% to the VAT threshold. At your current rate you'll reach it in approximately 4 months.
If you exceed £90,000 you must register for VAT within 30 days. £arnd will alert you at £85,000.
VAT tracker only appears when rolling 12-month turnover exceeds £70,000
Subscription
Monthly plan
Free month active · renews 1 Aug
Home
Invoices
Voice
Jobs
Settings
£arnd Pro — upsell flow
Dashboard — Pro upsell card (appears after 90 days)
9:41●●●
Good morning
Jamie
£3,240
This month
4 invoices · 2 awaiting payment · £480 outstanding
Paid
£2,760
2 invoices
Outstanding
£480
2 awaiting
Did you know?
£arnd Pro

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
Next HMRC deadline
76 days
Q1 submission due 31 July. £arnd will file automatically.
Home
Invoices
Voice
Jobs
Settings
Voice trigger — user asks for a Pro feature
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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
Jobs
Settings
£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
Referral QR code
Your referral QR
9:41●●●
Back

Share £arnd

Earn rewards every time a friend signs up

£
EARND-JS-4821
Anyone who scans this and signs up is linked to you as their referrer
3
Friends referred
£15
Rewards earned
Earner
Your tier
Earnr programme
Become an Earnr — detail page
9:41●●●
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
Corporate Earnr
By invitation only
Tier 3
15%
Lifetime commission on every referred customer's payments — for as long as they're with £arnd
Reserved for organisations and individuals who can deliver large customer volumes
Invitation issued by £arnd HQ — delivered as a unique QR code
Lifetime commission — no 2-year cap, runs for the life of each referred account
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 drip sequence — non-converters
Day 25 — Trial ending soon
9:41●●●
£
£arnd
Your accounting assistant
Day 30 — Trial ends today
9:41●●●
£
£arnd
Your accounting assistant
First month free. No charge until month 2.
Day 45 — We miss you (lapsed trial)
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£
£arnd
Your accounting assistant
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.
Contact & legal
Contact & help
9:41●●●
Back

Contact & help

We're here when you need us

Get in touch
WhatsApp us
Usually reply within the hour
Email us
hello@earnd.uk
Help & guides
Help centre
Guides, FAQs and how-tos
Legal & compliance
T&Cs, privacy policy, registrations

£arnd is a trading name of Earnd Ltd.
Registered in England & Wales.

Legal & compliance
9:41●●●
Contact & help

Legal & compliance

Your data is protected and your rights are clear

Policies
Terms of service
Your rights and our obligations
Privacy & data security
What we collect and why
Earnr terms & conditions
Referral tiers, commission, eligibility
Anti-money laundering
AML registration & obligations
Anti-human trafficking
Modern Slavery Act compliance
How to make a complaint
Our formal complaints process
Registrations
ZB123456
ICO registration
XAML12345
AML supervision

£arnd is a trading name of Earnd Ltd.
Registered in England & Wales.