Cheap Contractor Accounting That Gets It
You're a contractor, not a FTSE 100 company. Why pay enterprise accountant prices?
Traditional Cost
£150-250/month contractor specialist
AccountsOS
£9/month all-in
You Save
£1,700-2,900/year
Free during Early Access • 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. We know your setup: Ltd company, inside/outside IR35, dividend + salary mix, business expenses, and VAT. Everything you need, nothing you don't - for £9/month.
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
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 AI that 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 us your status, we handle the rules.
Can AccountsOS optimise my salary/dividend mix?
Yes. The AI 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 about my agency paying me?
Works just like any income. Import your bank statements, the AI recognises agency payments and categorises them correctly. You focus on your contracts, we track the money.
Ready to save £1,700-2,900/year?
Join UK founders who've switched to smarter, more affordable accounting.
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