Tax clarity.
Smarter pay.
More yours.
Cledo gives UK sole traders and limited company directors proactive, personalised tax optimisation — the quality of a good accountant, at a fraction of the cost.
Three things your accountant
used to charge £1,500/yr for.
Keep more of what you earn.
Cledo models your salary and dividend split in real time, showing you the precise take-home that minimises your combined tax and NI liability — legally and accurately.
- Optimal salary/dividend calculations
- Directors' loan analysis
- Payments on Account forecasting
MTD and filings handled.
Never miss a deadline. Cledo tracks your Self Assessment, Corporation Tax, VAT, and MTD obligations, submits where possible, and flags what needs your attention — before it becomes urgent.
- Making Tax Digital (MTD) ready
- Self Assessment pre-population
- VAT return preparation
Advice at the right moment.
Unlike a year-end accountant, Cledo surfaces nudges and recommendations throughout the year — when actions are still actionable, not after the deadline has passed.
- Year-round tax-saving prompts
- Expense allowance reminders
- Plain-English explanations
Up and running in under 10 minutes.
Connect your accounts.
Link your business bank, or import from your existing bookkeeping tool. Cledo reads your transactions and builds a picture of your financial position in minutes.
Get your tax position.
Cledo calculates your current liability, models optimisation scenarios, and surfaces the concrete actions that reduce what you owe — explained in plain English.
Stay ahead all year.
As deadlines approach and your numbers change, Cledo sends targeted nudges — when there's still time to act. No surprises. No last-minute panics.
Self Assessment, simplified.
Cledo handles Class 2 and Class 4 NI calculations, tracks your allowable expenses, and pre-populates your return — so you're never guessing at filing time.
- Self Assessment filing
- Allowable expense tracking
- NI class guidance
- Payments on Account reminders
Pay yourself better. Legally.
Model your salary and dividend split across every tax bracket. Cledo shows you the exact structure that leaves more in your pocket — with the Corporation Tax and VAT picture in the same view.
- Salary/dividend optimiser
- Corporation Tax forecasting
- VAT return management
- Directors' loan tracking
Less than one hour of
accountant time. Per year.
For self-employed individuals and freelancers filing Self Assessment.
- Self Assessment pre-population
- Allowable expense tracker
- MTD for Income Tax ready
- Payments on Account alerts
- Plain-English guidance
- Email support
14-day free trial. No card required.
For limited company owner-directors who want full compliance and pay optimisation.
- Everything in Sole Trader
- Salary/dividend optimiser
- Corporation Tax forecasting
- VAT return management
- Directors' loan tracking
- Priority support
14-day free trial. No card required.
Clarity changes everything.
Join UK small business owners who stopped overpaying tax and started making better financial decisions — year-round.
Calculate my position