Practical comparisons and guides for UK sole traders and freelancers, accounting, invoicing, budgeting and Making Tax Digital. Some links are affiliate links and are clearly labelled. We only list partners we have vetted, so a category with no card simply means we have not found one worth recommending yet.
Educational only. Nothing here promises savings, income, or financial outcomes, always verify pricing and terms on the provider's own site.
Some links on this site are affiliate links and are clearly labelled. CashPilot may earn a commission if you use them, at no extra cost to you. Review products independently, we do not guarantee savings, approval, or results. This is not financial advice.
Educational comparisons by category. Where we have an approved partner, links are clearly labelled as affiliate links.
We only list partners we have vetted. Our accounting partner Zoho Books carries a clearly labelled affiliate link, and ANNA Money (business banking) is available by introduction, with the introducer fee disclosed on its card. Categories without a card are ones where we have not yet found a partner worth recommending. An empty shelf is more honest than a shelf of coming-soon signs.
Cloud bookkeeping and invoicing for small businesses. Affiliate link, verify pricing and features on Zoho's site.
Affiliate link, we may earn a commission if you sign up through our link, at no extra cost to you in most cases. Verify pricing and terms on Zoho's site. No savings, income, or approval guarantees.
A UK business account with a built-in tax app that sorts receipts and estimates what you owe, so banking and tax admin live in one place.
Who it suits: Sole traders who want a business account and a tax app together, and prefer doing money admin on their phone.
Who it does not suit: Anyone who needs branch banking or handles heavy cash deposits. ANNA is app-first, so a high-street account may suit you better.
Ask for an introduction
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Before we add each new affiliate link, the partner must meet these criteria. Final selection requires Max approval.
Affordability
Clear free tiers or pricing pages without hidden mandatory upsells in the first workflow.
Transparency
Published terms, refund policies, and data use explained in plain language.
Suitability for freelancers and small businesses
Features match solo operators, not enterprise-only setups presented as defaults.
Clear pricing
Monthly and annual costs visible before signup; no vague “contact sales” for core features.
User control
Export, cancellation, and account deletion paths are documented and reachable.
No misleading income claims
Partners must not require us to promise savings, approval, or guaranteed revenue outcomes.
Accounting is live via Zoho Books (approved 2026-07-03, clearly labelled affiliate link). Business banking is live via ANNA Money (approved introducer, fee disclosed, introduction by email). The other categories have no partner listed yet: we add one only when we find a partner we would recommend on its own merits, so an empty category is a deliberate choice, not an oversight.
Apps and methods to track spending and set budgets. Compare features before choosing, see our freelancer budgeting guide draft.
Light bookkeeping and record-keeping tools. Verify with a qualified accountant for your jurisdiction.
Invoicing and payment collection for client work. Compare fees and payout timing.
Business account options for sole traders and small teams, not personal banking advice.
Tools aimed at independent workers: tax pots, income visibility, and cash buffers.
Receipt capture and categorisation for expenses and mileage.
Cashflow visibility and savings goals, no guaranteed outcomes.
CashPilot does not guarantee income, savings, or results. This page is for planning and learning only. Site-wide affiliate disclosure appears in the footer.