Straightforward pricing. No surprise fees.
One flat monthly price covers every HMRC and Companies House filing your limited company needs. Government statutory fees collected at cost — zero markup.
Complete
£9/month
Your full-service limited company, on autopilot.
Company Formation & Registration
- New UK limited company formation (Companies House)
- Connect your existing company (8-digit company number lookup)
- Real-time Companies House data sync (directors, SIC codes, addresses)
- Automatic officer and PSC (Person with Significant Control) tracking
- Registered address compliance monitoring
Bank & Transactions
- Open Banking connection (TrueLayer — read-only, bank-level secure)
- Automatic transaction import and sync (daily)
- AI categorisation of every transaction (powered by on-device models)
- VAT tagging per transaction (20%, 5%, exempt, outside scope)
- Receipt capture via WhatsApp — photograph and send, AI does the rest
- "Safe to Transfer" — live calculation of what you can pay yourself today
- Expense approval queue for low-confidence AI categorisations
VAT
- Automatic VAT return preparation (all 9 boxes calculated)
- 1-click VAT submission direct to HMRC (Making Tax Digital compliant)
- VAT obligation tracking — never miss a quarterly deadline
- VAT payment and liability history
- Input VAT reclaim maximised automatically
Corporation Tax
- Real-time Corporation Tax estimate (updated daily as transactions arrive)
- CT600 return — auto-prepared from your transactions
- FRS 105 micro-entity accounts — generated and filed automatically
- iXBRL-tagged accounts submitted to both HMRC and Companies House
- CT payment reminders (9 months and 1 day after year-end)
Companies House Filings
- Annual Confirmation Statement (CS01) — filed automatically each year
- Dormant accounts filing (AA02) — for years with zero transactions
- Director and shareholder change notifications
- Filing history — full audit trail of every submission
Pay Yourself
- Optimal salary/dividend split calculator (2025/26 tax year rules)
- Instant board resolution (dividend minutes) — legally formatted, generated in seconds
- Director payroll records
- Personal tax estimate (based on dividends + salary taken)
Intelligence & Alerts
- AI Co-Pilot — plain-English answers to your tax and compliance questions
- Proactive compliance notifications (WhatsApp + in-app)
- Upcoming deadline timeline — all filings visible months in advance
- Tax saving alerts — AI flags missed deductions automatically
- MTD ITSA quarterly updates (if applicable — sole trader income)
Support
- In-app AI Co-Pilot (available 24/7)
- Email support — 48-hour response SLA
- Help centre and guided walkthroughs
14-day free trial · No credit card required
Most Popular
Complete + Accountant
£29/month
Everything in Complete, plus a real qualified accountant — unlimited.
For active contractors, consultants, and directors who want the confidence of a qualified human accountant available whenever they need one — with no call limits, no hourly rates, and no surprise bills.
Everything in Complete, plus:
Unlimited Human Accountant Access
- Dedicated qualified accountant (ACA/ACCA certified)
- Unlimited async messaging — ask anything, any time, unlimited questions
- Unlimited scheduled video calls — no cap, book whenever you need
- 4-hour response SLA (vs 48 hours on Complete)
- Bespoke tax planning — personalised advice beyond standard filings
- Salary and dividend strategy reviewed and signed off by your accountant
- Year-end accounts reviewed and approved before filing (human sign-off)
Complex & Edge Cases
- IR35 status assessment and advice
- R&D Tax Credit identification and claim preparation
- Capital allowances review (equipment, home office)
- Business mileage and use-of-home claim optimisation
- Director loan account guidance
- Multiple income streams (rental, investments, PAYE alongside limited co.)
- HMRC investigation support and correspondence handling
- Late filing penalty appeal assistance
Business Advisory
- Quarterly business health review call with your accountant
- Cash flow and profitability commentary
- MTD ITSA full service (if applicable)
- Company structure advice (sole trader vs limited co. review)
14-day free trial · No credit card required
Government fees — full transparency
Cledo never marks up government charges. Most HMRC and Companies House filings are completely free. Where a statutory fee exists, we collect it at cost and pay it on your behalf.
| Filing | Government fee | Paid to | Frequency |
|---|---|---|---|
| VAT Return (MTD) | £0 | HMRC | Quarterly |
| Corporation Tax (CT600) | £0 | HMRC | Annual |
| Annual Accounts (FRS 105) | £0 | Companies House | Annual |
| Confirmation Statement (CS01) | £50 | Companies House | Once per year |
| Company Incorporation | £100 | Companies House | One-time |
| Voluntary Strike Off | £13 | Companies House | One-time |
How it works: When a government fee is due (e.g. your annual CS01), Cledo notifies you in advance, shows the exact statutory amount, and collects payment via Stripe. We then file on your behalf and pay Companies House directly. Cledo adds zero markup — you pay exactly what the government charges.
How Cledo compares
| Feature | Complete £9/mo | Complete+Accountant £29/mo | Traditional Accountant | Xero | Crunch |
|---|---|---|---|---|---|
| Monthly cost | £9 | £29 | £80–£150 | £16 | £49.50 |
| All government filings included | |||||
| AI transaction categorisation | |||||
| Safe-to-Transfer live figure | |||||
| WhatsApp receipt capture | |||||
| Pay Yourself calculator + board mins | Manual | ||||
| Compliance deadline timeline | Emails only | ||||
| Unlimited human accountant | ✅ Unlimited | Hourly rate | Email only | ||
| IR35 advice | Extra charge | Extra charge | |||
| HMRC investigation support | Extra charge | ||||
| R&D tax credit claim | Extra charge | Extra charge | |||
| Response time | 48 hours | 4 hours | 1–5 days | — | 1–2 days |
Frequently asked questions
Is the 14-day trial completely free?+
Yes. No credit card is required to start. You get full access to your chosen plan for 14 days. If you decide not to continue, your account simply pauses — we never charge you without explicit consent.
What happens to my filings if I cancel?+
All your submitted filings and HMRC receipts remain accessible in your account permanently, even after cancellation. You own your data.
On Complete+Accountant, is the accountant access really unlimited?+
Yes — genuinely unlimited. No call caps, no hourly rates, no "credits." Ask as many questions as you need, schedule as many calls as you want. Your accountant is available via in-app messaging and video call.
I already have an accountant. Can I switch?+
Yes. Cledo can work alongside your existing accountant on Complete, or replace them entirely on Complete+Accountant. Most clients who switch save over £800/year compared to a traditional accountant.
Does the price include VAT?+
All prices shown are exclusive of VAT. VAT at 20% applies, making Complete £10.80/month and Complete+Accountant £34.80/month inc. VAT.
What size company is Cledo designed for?+
Cledo is built specifically for single-director limited companies in the UK — the roughly 4.8 million sole directors who run their own limited company, typically as a contractor, consultant, or freelancer. If you have employees or complex multi-currency operations, speak to us first and we will let you know honestly whether we are the right fit.
What about government filing fees?+
HMRC charges nothing to file VAT returns, Corporation Tax (CT600), or accounts digitally. Companies House charges a £50 statutory fee for your annual Confirmation Statement (CS01), and £100 to incorporate a new company. These are government charges — not Cledo fees. When a statutory fee is due, we show you the exact amount, collect it via Stripe, and pay Companies House on your behalf. Cledo never marks up government fees.
All prices exclusive of VAT at 20%. Government statutory filing fees (e.g. CS01 £50/year) are additional and collected at cost. Cancel anytime — no lock-in.