The free personal finance app that makes Making Tax Digital simple. Track income & expenses, submit quarterly updates to HMRC, and optimise your salary/dividends split—all in one place.
ClearCash solves all three—for free.
From MTD submissions to mileage tracking, ClearCash gives you the tools to manage your business finances with confidence.
Submit directly to HMRC. Track income and expenses by category, review your P&L breakdown, and submit with one click.
Find the perfect salary/dividends split to minimise your total tax. See the savings update in real-time as you adjust.
Track rental income, agent fees, and property expenses. Auto-split gross rent from letting agent statements.
Log business journeys with postcode-to-postcode distance calculation. HMRC rates applied automatically (45p/25p per mile).
Budget tracking, savings goals, bank account management. Keep your personal and business finances separate but in one app.
Upload and store receipts linked to transactions. HMRC-ready record keeping stored securely in the cloud.
Three simple steps to MTD compliance.
Link your HMRC account with one click via Government Gateway. Secure OAuth—we never see your password.
Import or add transactions, categorise as business or personal, upload receipts, and log your mileage.
Review your P&L, check the numbers, tick the declaration, and submit your quarterly update directly to HMRC.
Whether you're self-employed, a landlord, or a company director, ClearCash has you covered.
Freelancers, contractors, sole traders—anyone with self-employment income who needs MTD compliance.
Property investors with rental income who need to track gross rent, agent fees, and submit quarterly updates.
Company directors looking to optimise their salary and dividends split to minimise total tax liability.
HMRC Compliant
Bank-Level Encryption
Average Submission Time
Everything you need for MTD compliance is free. Premium features coming soon.
Yes, the core features are completely free. We plan to offer a premium tier with advanced features like AI categorisation and open banking, but everything you need for MTD compliance is free forever.
ClearCash is built to be fully compatible with HMRC's Making Tax Digital APIs. We're currently in the sandbox testing phase and working towards full production approval.
Absolutely. We use bank-level encryption for all data, connect to HMRC via secure OAuth (we never see your Government Gateway password), and comply with UK GDPR. Read our Privacy Policy.
Not at all. ClearCash guides you through setup and makes quarterly submissions as simple as clicking a button. If you can use online banking, you can use ClearCash.
Yes! Our Tax Optimiser helps Ltd directors find the optimal salary/dividends split. We're also building features for corporation tax estimates and cash flow forecasting.
You can export all your data at any time. If you delete your account, all data is permanently removed within 30 days.