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.
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.
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.
Ready to save £1,560-2,760/year?
Join UK founders who've switched to smarter, more affordable accounting.
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