Question 1

Does PennyChat work on WhatsApp?

Accepted Answer

Yes. Text Penny on WhatsApp what you spent or earned and she logs it. No app to download.

Question 2

Does PennyChat keep the records HMRC asks for?

Accepted Answer

Yes. PennyChat records the amount, what it was for, the category and the date for every transaction. Export it to Excel in one tap and send it to your accountant. PennyChat is a record-keeping tool, not a tax adviser or accountant. Tax figures are estimates based on GOV.UK rates. Check with a qualified accountant before you file.

Question 3

Can PennyChat estimate my tax?

Accepted Answer

Yes. PennyChat shows an estimated income tax and Class 4 NI figure, based on GOV.UK rates and what you have logged this tax year, so you know roughly what to set aside. It also counts down to the 31 January self-assessment deadline. PennyChat is a record-keeping tool, not a tax adviser or accountant. Tax figures are estimates based on GOV.UK rates. Check with a qualified accountant before you file.

Question 4

Who is PennyChat for?

Accepted Answer

PennyChat is built for UK sole traders — builders, cleaners, gardeners, plumbers, electricians, and any tradesperson who works in cash and wants simple expense tracking without learning complicated software.