Financial IQ keeps your books every day, so you always know where the company stands.
It categorises and posts every transaction, files your VAT and year-end, and tells you in plain English what you can take out, what you owe and what is coming.
Autopilot is £99 a month plus VAT, half the standard price for as long as you stay if you join by 31 December 2026.
available as dividends today, with the tax already set aside.
The bookkeeping is done every morning, and it shows you what it did.
Autopilot categorises and posts your transactions daily, prepares your VAT, and files your year-end accounts and Corporation Tax. It starts in shadow mode, so you see what it would have filed before you let it, and each supplier earns the right to file itself.
- Anything it isn't sure of comes to you as a quick check, never a guess.
- Tax returns for two directors are included.
Run the company from a view with none of the plumbing in it.
No ledgers, no journals and no jargon. Just what is in the bank, what you owe, what you can take out and the things that need you today. The full bookkeeping view sits on the same books, one switch away, for you or whoever keeps them.
Lowest point £118,300 on 7 November, after VAT leaves. You stay above your £40,000 buffer for the next six weeks.
What you see as the owner, and where it lives in the full bookkeeping view.
- Where I stand
- Dashboard
- Get paid
- Sales
- Money going out
- Purchases
- Receipts and papers
- Documents
- Quick checks
- Banking
- Tax and filings
- VAT, Corporation Tax
- Take money out
- Accounting · Dividends
Businesses rarely fail for lack of profit. They fail when the cash runs out.
So Financial IQ is built around your cash line. Every invoice, bill, tax bill and salary feeds a forecast that names the lowest point, tells you how likely you are to stay above your buffer, and answers before you take money out.
More about cashflowLowest point £118,300 on 7 November, after VAT leaves. In 9 of 10 futures you stay above £40,000 on that date.
Yes. You stay above your £40,000 buffer, with the lowest point at £98,300 on 7 November.
Switch the horizon to plan the next payroll or the next year. Commitments, plans and the forecast's own accuracy are one tab away.
Not just a line on a chart. It tells you the date, the amount and the payment that causes it.
A range built from how your own money has behaved, and how likely you are to stay above your buffer.
Open it in the morning and the questions you would ask are already answered.
Available as dividends today, with the tax already set aside.
VAT of £18,426 due 7 November, and £34,280 Corporation Tax.
Five invoices outstanding, and two of them are overdue.
The lowest point, on 7 November, and still above your buffer.
It only asks about the payments it isn't sure of.
Bank lines are matched to invoices, bills and regular costs as they arrive. Confident matches are applied with the evidence shown, and the rest are grouped so you can confirm a batch at once.
- Choose how bold it is: Cautious, Balanced or Bold.
- Nothing is posted on a guess. A payment it can't place waits for you.
Confident matches are applied automatically. These need a quick look, grouped so you can approve a whole batch at once.
Your VAT return is ready before you go looking for it.
The boxes are worked out from books that are already reconciled, each one explained, and the return goes straight to HMRC under Making Tax Digital.
- A live estimate all quarter, so the bill is never a surprise.
- It checks the return for unusual items before you submit.
Box 3 minus Box 4: what you owe HMRC (or what they owe you).
Period: Jul 2026 to Sep 2026 · Making Tax Digital. This submission is legally binding.
See what you can take out, and what it will cost you personally.
Dividends you can take today with the tax already set aside, and a director’s loan account that tells you plainly where you stand and how to clear it.
Every director gets Personal free, and it picks up salary, dividends and the loan the day they are booked.
See Personalavailable as dividends today, with the tax already set aside.
Salary, dividends and the director’s loan arrive the day they are booked, so her own tax position is always current.
- Balance now
- £3,800
- Year end
- 31 Mar 2027
- Clear or pay by
- 1 Jan 2028
- What the company would pay
- £1,359
Get paid on time and pay nothing by accident.
Invoices close themselves when a clear payment lands. Bills wait for sign-off when a rule says so, and every payment run is a draft you approve before anything leaves the bank.
- Bills are read from the document, so nobody retypes them.
- A quote never touches the ledger until it becomes an invoice.
| Invoice # | Customer | Due | Amount | Status |
|---|---|---|---|---|
| INV-0253 | Lumen Retail | 27 Oct | £4,200.00 | Awaiting payment |
| INV-0252 | Cobalt Partners | 20 Oct | £3,850.00 | Awaiting payment |
| INV-0250 | Bevel Architects | 14 Oct | £6,400.00 | Part paid |
| INV-0248 | Toller & Sons | 18 Sep | £5,690.00 | Overdue |
| INV-0247 | Aldgate Studios | 12 Sep | £3,800.00 | Overdue |
Bills waiting on sign-off, with the rule that flagged each one.
Your year-end is prepared as you go, in words you can check.
A live Corporation Tax estimate all year, with the range it could land in. At year-end, filleted accounts go to Companies House and the return goes to HMRC. Included with Autopilot, or £149 a year on Business Pro.
More about thisThe Profit and Loss Account is left out of what goes to Companies House.
One login replaces the other apps you pay for.
Documents, payroll, expenses, credit control and company secretarial are built in, so there is nothing else to subscribe to and nothing to keep in sync.
Payments and card spend arrive in the books on their own.
- Bank feeds
- Stripe
- Shopify
- GoCardless
Rather keep the books yourself? Business Pro gives you the same system for less.
Everything on this page, with you doing the categorising. Matching still proposes itself, VAT is still worked out from your books, and the owner view still tells you where you stand.
- Full bookkeeping, with live reports
- VAT returns filed to HMRC, and MTD Income Tax records (quarterly filing in development)
- 3 bank feeds included
- Bring your own AI: business and personal API included
- Add year-end accounts and Corporation Tax for £149 a year
Business Pro includes the API and MCP. Claude, ChatGPT or your own agent can read reports and draft invoices, and sending stays a separate step that only you take.
Four retainer invoices are drafted, £16,800 in total, and waiting for you in Financial IQ. Sending them is a separate step that stays with you.
Two customers are late: Aldgate Studios owes £3,800, 17 days overdue, and Toller & Sons owes £5,690, 11 days overdue.
One plan covers the whole business, however it is set up.
One plan per person, however many trades and properties you have. Joint owners share one plan.
One plan per company. Each company has its own books, accounts and tax return.
Keeps the company on the books and files its dormant accounts.
Let Autopilot do the books, or keep them yourself for less.
We do the bookkeeping every day, and file your year-end for you.
- Everything in Business Pro, plus
- AI does your bookkeeping every day
- Year-end accounts and Corporation Tax filed
- Tax returns for 2 directors
- 5 bank feeds included
- Up to 1,000 transactions a month (fair use)
Join by 31 December 2026 and pay £99 a month for as long as you stay.
Choose AutopilotThe same system, with you or your own agents doing the bookkeeping.
- Full bookkeeping, with live reports
- VAT returns filed to HMRC, and MTD Income Tax records (quarterly filing in development)
- 3 bank feeds included
- Bring your own AI: business and personal API included
Business prices exclude VAT. Extra bank feeds are £2 a month each. See all pricing
Know where the company stands before anyone has to ask you.
Figures on this page are sample data for Meridian Design Ltd.