Take Control of
Your Taxes
The free personal finance app that makes Making Tax Digital simple. Track income and expenses, keep the digital records HMRC asks for, and optimise your salary and dividends split, all in one place.
Sound Familiar?
ClearCash solves all three—for free.
Everything You Need
From MTD records to mileage tracking, ClearCash gives you the tools to manage your business finances with confidence.
MTD Digital Records
Track income and expenses by category and keep the quarterly records Making Tax Digital asks for. Sending the quarterly update is not available yet: HMRC has to grant production access first.
Tax Optimiser
Find the perfect salary/dividends split to minimise your total tax. See the savings update in real-time as you adjust.
Property Income
Track rental income, agent fees, and property expenses. Auto-split gross rent from letting agent statements.
Mileage Tracker
Log business journeys with postcode-to-postcode distance calculation. HMRC rates applied automatically (45p/25p per mile).
Personal Finance
Budget tracking, savings goals, bank account management. Keep your personal and business finances separate but in one app.
Receipt Storage
Upload and store receipts linked to transactions, kept securely in the cloud.
How It Works
Three simple steps to keeping your MTD records.
Connect to HMRC (coming)
Once HMRC give ClearCash access to their live service, you will link your HMRC account by signing in at HMRC and approving the connection there, so no Government Gateway password is typed into this app for Making Tax Digital.
Track Your Finances
Import or add transactions, categorise as business or personal, upload receipts, and log your mileage.
Be Ready for the Quarter
Review your P&L and check the numbers, so the quarterly figures are ready. Submitting them will follow once HMRC grants production access.
Built for UK Taxpayers
Whether you're self-employed, a landlord, or a company director, ClearCash has you covered.
Self-Employed
Freelancers, contractors, sole traders—anyone with self-employment income who needs MTD compliance.
Landlords
Property investors with rental income who need to track gross rent and agent fees and keep their quarterly figures straight.
Ltd Directors
Company directors looking to optimise their salary and dividends split to minimise total tax liability.
100%
Digital Record Keeping
Bank-Level Encryption
5 min
To Review a Quarter
Simple Pricing
Everything you need to keep your MTD records is free. Premium features coming soon.
- Unlimited transactions
- MTD quarterly records
- Tax Optimiser
- Mileage tracker
- Receipt storage (1GB)
- Personal budgeting
- 6 languages
- Everything in Free, plus:
- Open banking auto-import
- AI transaction categorisation
- PDF tax reports
- Priority email support
- Unlimited receipt storage
- Multi-property management
Frequently Asked Questions
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 to keep your MTD records is free forever.
No, and we will not say otherwise until HMRC list it as recognised software. ClearCash is built against HMRC's Making Tax Digital APIs, and in October 2026 HMRC gave it access to their live service for Income Tax. Live sending is not switched on yet: until it is, ClearCash works with HMRC's test service, and quarterly updates and the final declaration cannot be sent from ClearCash.
We use bank-level encryption for all data and comply with UK GDPR. For Making Tax Digital you authorise us at HMRC through Government Gateway, so no password for that is typed into this app. If you file a return yourself through the older Government Gateway channel, you type your own sign in details when you submit; they go to HMRC with that submission and are never stored. Read our Privacy Policy.
Not at all. ClearCash guides you through setup and keeps your quarterly figures ready without spreadsheets. 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.