Cheap Contractor Accounting That Gets It

You're a contractor, not a FTSE 100 company. Why pay enterprise accountant prices? AccountsOS is £20/month, all-in.

Save up to £1,560-2,760/year

AccountsOS is an AI accountant for UK contractors at £20/month all-in. Finn handles your IR35 rules, expenses, salary/dividend optimisation, VAT and Corporation Tax in the background. 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 specialist

AccountsOS

£20/month all-in

You Save

£1,560-2,760/year

Free for 14 days • No credit card required

Sound familiar?

Specialist contractor accountants charging £150+/month

Paying for services you don't use (payroll for 1 person?)

IR35 anxiety and no clear guidance

Year-end fees that dwarf your monthly retainer

There's a better way

AccountsOS is built for contractors. Throw Finn your receipts, bank feed and invoices via WhatsApp, email or the app. Finn does the books, tracks your IR35 expenses, optimises your salary and dividend split, and handles VAT/MTD in the background. You just get a ping when something's ready. £20/month, nothing extra.

Dividend vs salary optimisation

IR35 expense rules built-in

Travel and subsistence tracking

VAT Flat Rate Scheme support

Director's loan account management

Corporation Tax with marginal relief

AccountsOS vs Contractor accountant

Feature	AccountsOS	Contractor accountant
Monthly cost	£20/month, all-in	£150-250/month
Who does the data entry	Finn (AI) reads receipts, bank feed	You send docs, they key it in
Receipt handling	Photo, email, WhatsApp - done in seconds	You upload to a portal or post
IR35 rules	Built-in, per-contract status tracking	Ask and wait; extra charge likely
VAT/MTD filing	Included, filed direct to HMRC	Included but slow turnaround
Getting answers	Ask Finn anytime, instant reply	Email; 1-3 day response typical
Deadline tracking	Companies House + HMRC auto-synced	They remind you; you still chase

Perfect for

IT contractors running personal service companies

Consultants with Ltd companies

Freelancers who've incorporated

Any contractor fed up with paying accountant prices

Frequently Asked Questions

Do I really need a specialist contractor accountant?

For most contractors, no. The 'specialist' bit is mainly about understanding IR35, dividend/salary mix, and allowable expenses. AccountsOS has all this knowledge built in, with Finn, your AI accountant, who understands contractor-specific rules.

How does cheap contractor accounting handle IR35?

AccountsOS applies the correct expense rules based on your IR35 status. Inside IR35? We treat you like an employee for expense purposes. Outside IR35? Full contractor expenses apply. You tell Finn your status, it handles the rules.

Can AccountsOS optimise my salary/dividend mix?

Yes. Finn considers your expected profit, NI thresholds, dividend allowances, and tax bands to suggest optimal extraction. It recalculates as your situation changes throughout the year.

What does it cost?

£20/month, all-in. 14-day free trial, no card needed upfront. That includes Finn, VAT/MTD, receipt scanning, bank feeds, invoicing, and everything else. No add-ons, no surprises.

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Trustpilot

20 Jul 2026

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

Trustpilot

15 Jul 2026

Great UI, fast response

Great UI, very quick at fixing any errors/bugs.

Mitch Edwards · GB

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