Your limited company.
Fully compliant. Zero effort.
Cledo connects to your bank, reads your transactions, and automatically files your VAT returns, Corporation Tax, annual accounts and confirmation statements — directly with HMRC and Companies House.
Trusted by UK contractors, consultants and sole directors · HMRC-recognised MTD software
Your tax is already set aside
Due date
Average accountant cost for sole directors
Cledo Complete plan — all filings included
Businesses mandated for MTD from April 2026
Time to file a VAT return after bank connected
Running a limited company shouldn't require a finance degree.
For a one-person company with straightforward finances, paying a high street accountant £1,000–£1,800 a year is one of the most persistent overcharges in British small business. Cledo was built to fix that.
The Tax Anxiety
"What's my actual tax bill right now?"
Traditional accounting gives you a number once a year — after your accountant has finished, invoiced you, and sent a PDF. By then, some directors have already spent the money.
Deadline Panic
"When is my VAT return due again?"
HMRC has four VAT deadlines a year, a CT600 deadline, a confirmation statement deadline, and MTD quarterly updates. Missing any one of them triggers automatic penalties starting at £200.
Receipt Chaos
"I have a shoebox of receipts on my desk."
Gathering a year's worth of receipts, categorising expenses, and manually entering them into a spreadsheet before sending to an accountant costs the average contractor 12–15 hours a year.
Jargon Wall
"What's a Director's Loan Account?"
Accounting software designed for professional bookkeepers exposes users to reconciliations, nominal ledgers, and journal entries. Cledo was designed so you never encounter a single piece of jargon.
Three steps. Then we handle everything.
Connect
Tell Cledo about your company
Connect your business bank account via Open Banking (read-only, secure) and enter your company number. Cledo pulls your Companies House data and HMRC deadlines automatically.
Review
AI reads every transaction so you don't have to
Your transactions are automatically categorised by AI. Any unusual expenses get flagged for your approval with a single tap. Your "Safe to Transfer" figure updates in real time.
File
Approve and file. That's it.
When a deadline approaches, Cledo calculates your return, shows you the numbers in plain English, and files directly with HMRC or Companies House. One confirmation tap is all it takes.
The Human in the Loop (Complete+Accountant)
Cledo handles the predictable. For the unpredictable — an unexpected dividend, an R&D project, a business restructure — the Complete+Accountant plan provides direct access to a qualified accountant (ICAEW, ACCA, or CIMA) via a 30-minute video or phone call.
Unlike a traditional accountancy retainer, there is no obligation to use every minute. Book a call only when needed. The accountant joins a session with full visibility of your Cledo data — they can see your transactions, your filed returns, and your current tax position before the call begins. No time wasted on background briefings.
Everything your company needs. Nothing it doesn't.
VAT Returns (MTD-compliant)
Quarterly VAT returns calculated from your real transactions and filed directly with HMRC via Making Tax Digital. All nine boxes, automatically.
Learn moreCorporation Tax (CT600)
Annual Corporation Tax return and FRS 105 micro-entity accounts, prepared from your bookkeeping data and submitted to HMRC and Companies House simultaneously.
Learn moreConfirmation Statements
Annual Companies House confirmation statement (CS01) filed on time, every year. Director details, SIC codes, and share capital — all pre-filled from your company data.
Learn moreSafe-to-Transfer
The one number every limited company director needs: exactly how much of your business bank balance is yours to take, after VAT, Corporation Tax, and a cash buffer are set aside.
Learn morePay Yourself Calculator
The optimal salary and dividend split to minimise Income Tax and National Insurance, updated in real time as your profits change. Includes one-tap board minute generation.
Learn moreFractional Accountant (Complete+ plan)
Book a 30-minute call with a qualified UK accountant for anything outside the standard — R&D credits, business restructuring, investment advice, or mortgage income letters.
Learn moreTwo plans. Both dramatically cheaper than a traditional accountant.
| Feature | Complete | Complete+ Accountant |
|---|---|---|
| Monthly price | £9/mo | £29/mo |
| All government filings included | ||
| AI transaction categorisation | ||
| AI Co-Pilot | ||
| Safe-to-Transfer | ||
| WhatsApp receipt capture | ||
| Unlimited human accountant | ||
| Response time | 48 hours | 4 hours |
Government statutory fees (e.g. CS01 £50, incorporation £100) collected at cost when due — zero markup. See full breakdown
Built for directors who just want it done.
| Feature | Cledo | Traditional Accountant | FreeAgent | Crunch |
|---|---|---|---|---|
| Monthly cost | £9–£29/mo | £80–£150/mo | £30 + accountant | £49.50+ |
| All government filings included | ||||
| AI transaction categorisation | ||||
| Safe-to-Transfer live figure | ||||
| Unlimited human accountant | From £29/mo | Hourly rate | Extra cost | Email only |
| WhatsApp receipt capture |
Government statutory fees (e.g. CS01 £50) are additional and collected at cost — zero markup.
Making Tax Digital for Income Tax is mandatory for sole traders and landlords earning over £50,000 from April 2026 — with 780,000+ businesses affected. Cledo is fully MTD-compliant.
Learn about Making Tax DigitalYour company deserves better than a shoebox and a once-a-year call.
Join the waitlist. Be first to get access when Cledo opens to new users.