Olivia — AI bookkeeper for UK sole traders
Ready for Making Tax Digital

Your books should fit around your business

Olivia is an AI bookkeeper who lives in your WhatsApp. Connect your bank account and she tracks your income, categorises your expenses, estimates your income tax and National Insurance, and files every quarterly submission and your final declaration.

Launching January 2027
Join the Waitlist See how it works
  • No spreadsheets
  • No new app to learn
  • Cancel anytime
An iPhone showing a WhatsApp chat with Olivia AI, who reports year-to-date income of £18,020 and an estimated tax liability of £195.38 after CIS deductions

Making Tax Digital, in plain English

If you're self-employed and earning over the HMRC threshold, one annual Self Assessment is no longer enough. You'll need to keep digital records using compatible software and send HMRC a summary every three months, followed by a final declaration that replaces your old tax return.

That's five submissions a year instead of one. Olivia is the software — you just keep texting.

A self-employed hairdresser blow-drying a client's hair in her salon
  1. 01

    Quarter 1

    Income and expenses to 5 July

  2. 02

    Quarter 2

    Income and expenses to 5 October

  3. 03

    Quarter 3

    Income and expenses to 5 January

  4. 04

    Quarter 4

    Income and expenses to 5 April

  5. 05

    Final declaration

    Tie it all together, then pay

A self-employed carpenter drilling a timber beam on site

Three steps, no onboarding

Between jobs, in the van, or waiting on materials — your books keep up with you.

1

Connect your bank

Sign up, securely link your business bank account, and Olivia says hello on WhatsApp. That's the setup.

2

Text her as you go

Photos of receipts, invoices you've issued, mileage, or a question like "can I claim my van insurance?"

3

She files the quarters

Olivia categorises everything, estimates your tax and NICs, and files each quarterly submission and your final declaration.

What Olivia handles

Between jobs, invoices and school runs, your books should keep up — not slow you down.

A self-employed woman checking her phone at a creative workspace

Bank connection

Link your account once — income and spending flow in automatically.

Expense categorisation

Every cost lands in the right HMRC category, not a mystery pile.

Income tracking

Every payment in is matched and totted up as the year goes on.

Receipt capture

Snap it, send it, forget it. Olivia reads the total, date and VAT.

Income tax estimate

Ask any time and Olivia tells you roughly what to set aside.

National Insurance

Class 2 and Class 4 NICs estimated alongside your income tax.

Quarterly submissions

Filed on time, every quarter, with a nudge before each deadline.

Final declaration

The year-end tie-up that replaces your old Self Assessment.

Built for people without a back office

From a café, a co-working desk or your kitchen table, send invoices and expenses to Olivia like you'd text a friend — she keeps your quarterly submissions on track.

A self-employed courier smiling beside his delivery van at dusk

Trades

Sparkies, plumbers, builders — receipts from the van, not a desk.

Drivers & couriers

Fuel, mileage and platform income tracked as you go.

Freelancers

Designers, consultants, coaches with invoices in five inboxes.

Side hustles

Selling, creating or contracting on the side of a day job.

One price. Everything in.

No tiers, no per-transaction fees, no add-ons for the bits you actually need. If your books fit in a WhatsApp chat, they fit in this plan.

£20/ month

Cancel anytime. First month free.

  • Secure bank account connection
  • Unlimited WhatsApp messages with Olivia
  • Income tracking and expense categorisation
  • Income tax and National Insurance estimates
  • All four quarterly submissions filed
  • Final declaration filed at year end
Join the Waitlist

Questions people ask