🚧 Draft build — not yet live. The calculator's rates are still being verified against HMRC.
Features

Two financial lives. One place to see them together.

Most people who are employed and self-employed run two separate apps — one for their job, one for their side income — and do the hard part, combining them, themselves, once a year, under pressure. Finfolk doesn't split you into two accounts. Everything below runs off the same underlying picture, which is exactly why the tax number you get is real, not a guess.

Track

Capture it in seconds, from either side of your income

A quick daily check-in for expenses, mileage, or receipts — tagged personal or business as you go, not reconstructed from memory in January. The moment something's logged, it's already sitting in the right place.

Personal expense Business expense Mileage I'm up to date Later
Tax hub

One number, built from real data — not a guess

Your PAYE salary and sole trader profit, combined into a single Self Assessment estimate that updates as the year goes on. A running tax pot shows exactly how much you've set aside against what you'll actually owe.

ST profit to date£3,002.00
PAYE salary£6,642.00
Estimated SA bill£1,240.00
Budgeting

Your personal life doesn't pause because you also freelance

Needs, wants, and savings, tracked automatically from what you actually earn and spend across both incomes — not a separate budget you have to remember to update.

Needs
Wants
Savings
Wealth

The whole picture, not just this month's balance

Every account — personal and business — rolled into one net worth figure, so you can see the actual direction you're heading, not just whether this month looked okay.

Net worth
£18,420
This month
+£640
Sole trader cash flow

Always know what's actually coming in

Income and expenses for the business side, invoices tracked as they're raised and paid — so "how's the business doing" has a real answer, not a shrug.

£0.00
No open invoices — cash flow is clear

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