FinOwl is a fully autonomous AI bookkeeper for UK small businesses. It categorises every transaction, files your VAT returns, and keeps you MTD-compliant — without you lifting a finger.
Start Free — Get 1 Month On UsFinOwl connects to your bank, learns your business, and handles the entire financial admin lifecycle autonomously.
Every transaction sorted instantly. FinOwl learns your patterns and gets smarter with every receipt.
Calculates, reconciles, and prepares MTD-compliant VAT returns. You just review and submit.
Automatically matches payments to invoices. No more chasing, no more spreadsheet hunts.
Flags unusual spending, tracks recurring costs, and identifies savings you're missing.
P&L, cash flow, balance sheet. Always current, always accurate, generated without asking.
Built from scratch for UK tax law. Corporation Tax, Self Assessment, CIS, and MTD compliance baked in.
We know you can't hand your finances to a black box. FinOwl gives you full visibility and control at every step.
FinOwl starts with intelligent defaults and learns your business. When it categorises something incorrectly, you correct it — and it remembers. Your rules get smarter over time, not generic.
Every transaction, every categorisation, every change — logged with a timestamp and user reference. When HMRC asks, you can show your full paper trail. Always.
Give your accountant read-only access to your dashboard. Or export everything to CSV or PDF — income statements, VAT summaries, P&L, the lot. They sign off. You stay in control.
256-bit encryption at rest and in transit. GDPR compliant. Open Banking connections use read-only AISPs — FinOwl can never move your money. UK infrastructure, UK data laws.
Three steps. No accountant required. No quarterly panic. Just your books, handled.
Link your UK business account in seconds. Transactions stream in automatically — no CSV uploads, no copy-paste, no manual entry ever.
Every transaction is tagged to the correct HMRC tax category with the right VAT rate applied. High-confidence items are filed instantly. Unusual ones are flagged for your 30-second review.
FinOwl builds your VAT return continuously in the background. When your quarter closes, your MTD submission is ready to review and submit — no scrambling, no surprises.
HMRC-registered Making Tax Digital (MTD) compatible. Your data never leaves UK infrastructure.
You used to pay someone to do data entry. Now AI does it better, faster, and cheaper.
No hidden fees. No per-transaction charges. Cancel anytime. Start with a free month on us.
For inactive or dormant companies that still need to stay HMRC-compliant.
🎁 First month free
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Full autonomous bookkeeping — from bank feed to HMRC, on autopilot.
🎁 First month free
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Everything a LTD director needs — from Corporation Tax to Companies House.
Available soon — join the waitlist
We'll email you the moment LTD launches.
We'll let you know when LTD support launches.
FinOwl exists because small business owners deserve the same financial infrastructure as large corporations. Autonomous, accurate, and always watching. Built in London, for businesses that have better things to do than bookkeeping.
We're a small, focused team. If you have a question about FinOwl, pricing, or how it fits your business — we actually read our email.
finowl@polsia.app