Bookkeeping Software That Understands Contractors
IR35 status. Inside or outside. Salary vs dividends. Travel and subsistence. Finally, software that gets the contractor lifestyle. £20/month, all-in.
AccountsOS is bookkeeping software built for UK contractors at £20/month. Finn tracks your IR35 status, applies the correct expense rules, optimises your salary/dividend split, and handles VAT automatically. Try free for 14 days.
Not sure if AccountsOS is right for you?
Ask Finn anything about how it compares or what it would do for your business. No signup needed.
Traditional Cost
£150-250/month contractor accountant
AccountsOS
£20/month with contractor features
You Save
£1,560-2,760/year
Free for 14 days • No credit card required
Sound familiar?
Generic software that doesn't understand IR35 rules
No guidance on what expenses are claimable based on your status
Calculating optimal salary/dividend split manually
Paying contractor accountant prices for basic bookkeeping
There's a better way
AccountsOS knows contractors. Set your IR35 status and Finn applies the correct expense rules automatically. Inside IR35? Treated appropriately for expense purposes. Outside? Full contractor expense rules apply. Bank feeds from Revolut and Starling connect directly. Bank statements for all other UK banks import in seconds. £20/month, nothing extra.
IR35 status tracking - inside and outside rules applied correctly
Optimal salary/dividend calculator based on your situation
Travel and subsistence expense tracking
24-month rule monitoring for client site expenses
Flat Rate VAT scheme support
Agency payment reconciliation
AccountsOS vs Contractor accountant
| Feature | AccountsOS | Contractor accountant |
|---|---|---|
| Monthly cost | £20/month, all-in | £150-250/month |
| IR35 expense rules | Built-in per contract, auto-applied | Advice given; you still enter data |
| Receipt handling | Photo, WhatsApp, email - done instantly | You upload; they key in later |
| Salary/dividend split | Finn calculates optimal split live | Annual advice, rarely updated |
| 24-month rule tracking | Automatic warning as you approach | Manual tracking or missed |
| VAT/MTD filing | Included, filed direct to HMRC | Included but via their portal |
| Getting answers | Ask Finn anytime, instant reply | Email; 1-3 day response typical |
Perfect for
IT contractors with personal service companies
Management consultants operating via Ltd
Engineering contractors
Any contractor who wants proper bookkeeping without accountant fees
Frequently Asked Questions
How does IR35 status affect my bookkeeping?
Can I have some contracts inside and some outside IR35?
What's the 24-month rule and how does AccountsOS handle it?
What does it cost?
I love the innovative approach to accounting
I love the innovative approach to accounting, which can often be quite dull. I particularly appreciate how interactive it is, including the emails, reminders, and the ability to anticipate the next step.
Ksenija · SI
Great UI, fast response
Great UI, very quick at fixing any errors/bugs.
Mitch Edwards · GB
Ready to save £1,560-2,760/year?
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