£9
per month from
30
day free trial
5 min
to submit a VAT return
UK
hosted, always
100%
MTD compliant
What’s included

Everything a UK sole trader actually needs.

No enterprise bloat. No features you’ll never use. Every plan includes full MTD compliance — VAT and ITSA — at no extra cost.

📄

Professional invoicing

Create branded invoices, generate PDFs, send by email. PayPal Pay Now button included. Track payment status across all your clients.

PayPal included
🏛

MTD VAT submission

Connect to HMRC once. VAT returns calculated automatically from your invoices and bills. Submit directly to HMRC in minutes, not hours.

HMRC direct submission
📊

MTD ITSA quarterly updates

Submit your quarterly income and expenses to HMRC ahead of the mandate. Five submissions per year — all handled from within nBooks.

Mandate from April 2026
🏦

Bank reconciliation

Import your bank statement CSV. Match transactions to invoices and bills with a click. Keep your books balanced without a bookkeeper.

💱

Multi-currency

Invoice and bill in any currency, with real exchange rates and automatic gain/loss tracking. Bank transfers between currency accounts handled properly, not bolted on.

🧾

Expense claims & mileage

Photograph a receipt, let AI extract the details, submit for approval. HMRC mileage rates (45p/25p) calculated automatically for your tax year.

AI receipt scanning
📈

Financial reports

Profit & Loss, Balance Sheet, Trial Balance, Aged Debtors, Cash Flow, SA103 self-employment summary — generated in seconds, anytime.

👥

Multi-user access

Owner, Admin, Accountant, Staff, ReadOnly. Each role sees exactly what they need. Your accountant gets their own secure login at no extra cost.

🔄

Xero migration in minutes

Import your chart of accounts, trial balance, invoices, bills and contacts from Xero or Spreadeet. Full migration typically under an hour.

Xero & Spreadsheets
🛡

GDPR by design, UK-hosted

Your data is stored on UK-based servers, under UK data protection law — not routed through infrastructure you have no visibility into.

Data sovereignty
Open, honest, no lock-in

We don’t lock you in.
That’s the point.

Every other accounting platform runs on closed, proprietary software you can never inspect, hosted wherever suits them. nBooks is built differently — on open-source foundations, hosted on UK servers, with your data always yours to take with you.

01

Open source, not a black box

Built on open, auditable software — not a proprietary platform you're asked to trust blindly. No vendor lock-in, no mystery about how your data is handled.

02

Hosted in the UK, always

Your financial data is stored on UK-based servers, under UK data protection law — not routed through infrastructure you have no visibility into.

03

Export everything, anytime

Download your complete financial data whenever you like, in open formats. Leave whenever you want — no export fees, no data ransom.

What sets us apart
Underlying software Open source ✓
Where it's hosted UK servers ✓
Full data export Free, anytime ✓
Vendor lock-in None ✓
Proprietary data formats None ✓
What we hold: name & email Billing only

Compare this to Xero, QuickBooks and Sage — closed, proprietary platforms hosted on infrastructure you have no visibility into, with no guarantee of easy export if you ever want to leave.

Making Tax Digital

MTD is here. nBooks handles both mandates.

HMRC is digitising the UK tax system. nBooks 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.

Active now
All
MTD for VAT — all VAT-registered businesses must submit digitally
April 2026
>£50k
MTD ITSA — sole traders & landlords above this threshold
April 2027
>£30k
MTD ITSA threshold drops — significantly more sole traders in scope
April 2028
>£20k
MTD ITSA threshold drops again — most self-employed people mandated

Read our HMRC MTD compatibility statement →

How we compare

nBooks vs the alternatives.

We don’t think Xero and QuickBooks are bad products. They’re just not built for you.

Feature nBooks 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. ✓
Open source ✓ Always ✗ Proprietary ✗ Proprietary ✗ Proprietary
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.

Pricing

Straightforward pricing.
No hidden fees.

All plans include full MTD compliance — VAT and ITSA. No compliance features locked behind higher tiers.

Starter
£9
per month + VAT
or £90/year — save 2 months
  • Invoicing & bills
  • Bank reconciliation
  • MTD ITSA quarterly updates
  • Financial reports
  • Xero data import
  • 2 users
  • 50 invoices per month
Start free trial
Most popular
Pro
£15
per month + VAT
or £150/year — save 2 months
  • Everything in Starter
  • MTD VAT submission
  • MTD ITSA (property income)
  • AI receipt scanning
  • Multi-currency invoicing
  • Expense claims & mileage
  • 10 users
  • Unlimited invoices
Start free trial
Accountant Plus
£49
per month + VAT
or £490/year — save 2 months
  • Everything in Pro
  • Manage multiple clients
  • Accountant Hub dashboard
  • Unlimited users
  • Unlimited client workspaces
  • Priority support
Talk to us
★ Founding Member rate — £10/month
Early Access Programme members get Pro features at £10/month, locked in permanently. Ask about EAP membership →
Common questions

Everything you need to know.

Where is my financial data stored?
On UK-based servers, under UK data protection law. nBooks is built on open-source foundations, so you're never locked into a proprietary black box — and you can export your complete financial data at any time.
Is nBooks MTD compliant?
nBooks has applied for HMRC recognition for MTD for VAT and MTD ITSA. The software is built to HMRC’s API specifications and submits returns directly. We will confirm recognition status on this page once granted.
Can I import my data from Xero or QuickBooks?
Yes. nBooks includes a full migration facility for Xero, QuickBooks and FreeAgent — chart of accounts, trial balance, invoices, bills and contacts, typically in under an hour.
What happens to my data if I cancel?
You can export your complete financial data at any time, in full — no fees, no barriers, whether you're staying or leaving. No proprietary lock-in.
Can my accountant access my books?
Yes. Add your accountant with the Accountant role. They get read/write access to financial data and can submit MTD returns on your behalf, without access to your settings or user management.
Does nBooks work on mobile?
Yes. nBooks is fully responsive and works on phones and tablets. Create invoices, check your P&L and submit VAT returns from any device.
Do I need to understand double-entry bookkeeping?
No. All journal postings happen automatically when you create invoices, record payments and approve bills. You describe what happened — the software handles the accounting.
Is there a free trial?
Yes — 30 days, no credit card required. You get full Pro plan access during your trial. At the end, choose a plan or your account pauses. Your data is never deleted.

More questions? See the full FAQ or get in touch.

nSuite by no~Bull Consulting

Built for the solo professional.
Growing with you.

nBooks is the first product in nSuite — a growing family of open-source, UK-hosted business tools for UK sole traders and micro-businesses. Each tool works standalone, or plugs into the others as your business grows — starting with a shared contacts system, so your customers and suppliers are the same people across every tool you use.

nBooks
Live

UK accounting for sole traders and micro-businesses. Invoicing, bank reconciliation, MTD VAT & ITSA, expenses, multi-user access.

Learn more →
nLearn
In development

Training management for small teams — course tracking, certifications, and compliance records, built to plug straight into your existing contacts.

nSales
Planned

Lead and pipeline management that talks directly to your books. Convert won deals to invoices without double-entry.

nWork
Planned

Time-tracking and milestone management for consultants and freelancers, with real-time project profitability from your accounts.

nDocs
Planned

Document management for small businesses — store, share, and track versions of the paperwork behind your books.

nSpark
Planned

AI and LLM tools woven through the rest of nSuite — the same intelligence already behind nBooks’ receipt scanning, extended further.

Need something built to order? We also build bespoke open-source tools →

Start today

Try nBooks free for 30 days.

No credit card. No commitment. Full Pro access from day one.

Create your account Talk to us first