Everything you need to manage UK taxes
From real-time tax calculations to business expense tracking, HMRClever gives you complete visibility into your finances and tax position.
Real-Time Tax Calculation
Know your Income Tax, National Insurance, and Student Loan liability the moment you add income. HMRClever calculates everything instantly — no spreadsheets, no waiting for your accountant.
- Instant tax updates as you add income
- Income Tax, NI, and Student Loan in one view
- Support for Scottish tax bands
- Marriage Allowance transfer calculations
Income & Expense Tracking
Categorise every transaction across salary, dividends, self-employment, and more. See exactly where your money goes and how it affects your tax position.
- Track salary, dividends, self-employment, rental income
- Categorise expenses with custom categories
- Recurring income flagging for regular payments
- Edit and manage transactions easily
Net Worth Tracking
See your complete financial picture at a glance. Track savings, investments, property, and debt to understand exactly where you stand.
- Automatic balance calculations from transactions
- Track savings, ISAs, pensions, and property
- Monitor loans and mortgage payoff progress
- Watch your net worth grow over time
Platform Integrations
Connect your financial platforms for automatic balance syncing. Less manual entry, more accuracy.
- Trading 212 and Coinbase integration
- Automatic daily balance sync
- Auto-create accounts on connection
- ISA and GIA tax treatment detection
Business Expense Management
Track deductible expenses for self-employment with HMRC-aligned categories. Upload receipts and see exactly how expenses reduce your tax bill.
- HMRC-aligned expense categories
- Receipt photo uploads stored securely
- Partial business use percentage tracking
- Automatic tax deduction calculation
Retirement & Pension Planning
Plan for the future with pension tracking and retirement projections. See if you are on track to meet your goals.
- Set retirement age and target pot value
- Track pension contributions over time
- Growth projections with adjustable rates
- See if you are on track or need to save more
Why choose HMRClever?
See how we compare to the alternatives
HMRClever
From £4.99/month
- Real-time tax calculations
- All income sources tracked
- Net worth & budget tracking
- Business expense receipts
- Automatic integrations
- £4.99/month — affordable
Spreadsheets
Free
- Manual tax calculations
- Prone to formula errors
- Free to use
- Time-consuming to maintain
- No integrations
- No mobile access
Accountants
£500-2,000+/year
- Expert tax advice
- £500-2,000+ per year
- No real-time updates
- Wait for appointments
- Limited day-to-day visibility
- No expense tracking tools
HMRClever complements professional tax advice for complex situations, while giving you real-time visibility that spreadsheets and annual accountant visits cannot match.
Ready to take control of your finances?
See exactly what you owe in tax, track every pound, and plan for the future. Start your free trial and get instant clarity.
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