The only MTD-native platform built for UK self-employed people. Six modules. Three capture channels. One AI tax advisor. No accountant required.
Every penny tracked in real time. Full HMRC category mapping, VAT handling, cash basis accounting, and a P&L that updates the moment you add a transaction.
Your personal compliance score, updated live. Penalty point tracker, quarter readiness indicator, and deadline alerts — so HMRC never surprises you.
Three capture methods: snap a receipt, speak a transaction, or use GPS-assisted mileage at 45p/mile. AI reads it all.
Ask anything, any time. Trained on HMRC guidance — Class 4 NI, mileage rates, cash vs accruals, self-assessment deadlines. A £3,000/year accountant — free to use.
Create professional invoices, save repeat clients as templates, mark paid — and the income flows straight into REDITUS automatically. No double entry. Ever.
Submit your quarterly update to HMRC in one click. Pre-flight audit catches duplicates and anomalies before you submit. Confidence score included.
Not retrofitted. Every module was built around Making Tax Digital. FreshBooks, QuickBooks and Xero added MTD as an afterthought. We started with it.
LUMEN is trained on HMRC guidance — Class 4 NI, the 45p mileage rate, cash basis accounting. Ask it anything at 11pm before a deadline. It knows.
Photo, voice, GPS-assisted mileage. No other UK tax app gives you three capture channels in one place. The gardener, the consultant, the freelancer. All covered.
MerxTax is free to use. Connect your income and expenses, watch your tax position update in real time, and get submission-ready — all at no cost. You only pay at the moment you send a return to HMRC.
Every submission for the tax year, covered. One price, no per-filing maths. Includes priority AI (LUMEN on Opus) and higher usage limits.
Get the Season PassNo subscription, no commitment. Pay only for the quarters you submit. Free AI assistant included (LUMEN on Haiku).
No subscriptions. No tiers. The app is yours for free — you only ever pay to file.
From April 2026, every self-employed person earning over £20,000 must file quarterly with HMRC. Miss a deadline and the penalty points start. Four and you're fined.
MerxTax handles it all. Takes under 5 minutes to set up.
Get started — free →No credit card. No subscription.