PennyChat — Business Finance Platform for UK Sole Traders
Log expenses on WhatsApp. See your full finances on the dashboard. Export for HMRC in one tap. Built for UK builders, cleaners, gardeners and tradespeople.
WhatsApp beta is live — invite only. Contact hello@pennychat.co.uk to request access.
What Penny Does
- Log expenses by WhatsApp or web chat — no forms, no spreadsheets
- Real-time income and expense dashboard
- Estimated tax bill (income tax + Class 4 NI) updated as you earn
- 31 January self-assessment deadline countdown
- HMRC-ready CSV export for your accountant
- Business vs personal expense classification
- Monthly budget tracking per category
- Spending graphs and analytics
Who It's For
UK sole traders who work in cash — builders, cleaners, gardeners, plumbers, electricians, painters, decorators, landscapers. If you're self-employed and not using an accounting app, Penny is built for you.
Why HMRC-Compliant?
HMRC requires: amount + description + category + date. Penny captures all four every time you log an expense. No receipt photo needed. One-tap CSV export gives your accountant everything they need for self-assessment.
Making Tax Digital (MTD)
MTD is coming. From April 2026, sole traders with income over £50,000 must keep digital records and submit quarterly updates. Penny gets you organised before it arrives. Penny is not a tax adviser — figures are estimates only. Always speak to a qualified accountant for your actual liability.
Pricing
Free plan: 200 AI messages/month, up to 5 categories, Excel export. No card required.
Pro plan: £9.99/month — unlimited categories, WhatsApp logging, receipt OCR, quarterly MTD review, 1,000 AI messages/month. 7-day free trial.
Contact
Email: hello@pennychat.co.uk
Operated by Hero Smart Tech Limited — registered in England & Wales (Companies House: 17190247). ICO: ZC136217.