Honest accounting software built for UK sole traders, freelancers and micro-businesses. MTD VAT and ITSA submissions to HMRC built in. Your financial data stays in your own Google account — not ours.
No enterprise bloat. No features you’ll never use. Every plan includes full MTD compliance — VAT and ITSA — at no extra cost.
Create branded invoices, generate PDFs, send by email. PayPal Pay Now button included. Track payment status across all your clients.
PayPal includedConnect to HMRC once. VAT returns calculated automatically from your invoices and bills. Submit directly to HMRC in minutes, not hours.
HMRC direct submissionSubmit your quarterly income and expenses to HMRC ahead of the mandate. Five submissions per year — all handled from within no~bull books.
Mandate from April 2026Import your bank statement CSV. Match transactions to invoices and bills with a click. Keep your books balanced without a bookkeeper.
Photograph a receipt, let AI extract the details, submit for approval. HMRC mileage rates (45p/25p) calculated automatically for your tax year.
AI receipt scanningProfit & Loss, Balance Sheet, Trial Balance, Aged Debtors, Cash Flow, SA103 self-employment summary — generated in seconds, anytime.
Owner, Admin, Accountant, Staff, ReadOnly. Each role sees exactly what they need. Your accountant gets their own secure login at no extra cost.
Import your chart of accounts, trial balance, invoices, bills and contacts from Xero or Spreadeet. Full migration typically under an hour.
Xero & SpreadsheetsYour data is a Google Sheet in your Google Drive. We have no access to your financial records — not by policy, but because we can’t.
Data sovereigntyEvery other accounting platform stores your financial data in a shared database that they own and control. no~bull books is architecturally different — your data lives in a Google Sheet in your Google account.
A Google Sheet in your Google Drive. You own it. Download it, share it, or delete it whenever you like — no export fees, no data ransom.
no~bull consulting holds your name and email for billing. Your clients, transactions, and financial position are yours alone, always.
Cancel your subscription. Your Google Sheet stays in your Drive, intact, forever. No “export” button that charges a fee.
Compare this to Xero, QuickBooks and Sage — where every transaction, every client, and every invoice lives on their servers, under their control.
HMRC is digitising the UK tax system. no~bull books submits both MTD for VAT and MTD for Income Tax Self Assessment (ITSA) directly to HMRC — no add-ons, no extra fees, no separate software.
We don’t think Xero and QuickBooks are bad products. They’re just not built for you.
| Feature | no~bull books | Xero Starter | QuickBooks ST | FreeAgent |
|---|---|---|---|---|
| Monthly price (ex VAT) | From £9 | £16 | £10 | £12 (via bank) |
| MTD VAT submission | ✓ All plans | ✓ | ✓ | ✓ |
| MTD ITSA quarterly updates | ✓ All plans | ✗ | Upgrade req. | ✓ |
| Data in your own account | ✓ Always | ✗ Their servers | ✗ Their servers | ✗ Their servers |
| Free data export on cancel | ✓ Free, always | Limited | Limited | Limited |
| AI receipt scanning | ✓ | ✗ | Higher plan | ✗ |
| Xero data migration | ✓ Full | N/A | Basic | Basic |
| 30-day free trial, no card | ✓ | 14 days | 30 days | 30 days |
Prices correct June 2026. Competitors’ features and pricing subject to change.
All plans include full MTD compliance — VAT and ITSA. No compliance features locked behind higher tiers.
More questions? See the full FAQ or get in touch.
no~bull books is the first product in a growing suite of Google-native business tools for UK sole traders and micro-businesses. Each tool is purpose-built, fairly priced, and keeps your data in your own Google Drive.
UK accounting for sole traders and micro-businesses. Invoicing, bank reconciliation, MTD VAT & ITSA, expenses, multi-user access.
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Need something built to order? We also build bespoke Google-native tools →
No credit card. No commitment. Full Pro access from day one.