Personal finance, tax, and company compliance — in one place.
How much can I spend this weekend?
Self Assessment SA100
Take an extra £10k as dividends?
Capital gains YTD: £4,200
Built for UK taxpayers with complex finances: PAYE, self-employment, property, and limited companies. Always know what's safe to spend.
Live the moment money moves.
Spidr is not a once-a-quarter spreadsheet. Once your accounts are connected, the figures that matter recompute on every transaction — quietly, in the background, accurate to the day.
Bank feeds
Transactions sync daily from every connected current account, savings pot, and credit card via Open Banking. Categorised, deduplicated, ready to use.
Tax estimate
Income tax, NI, dividend tax and student-loan repayments recompute the moment income or expenses change. No quarterly catch-up.
Capital gains
Live CGT bill as you sell investments. The annual exempt amount is tracked against every disposal, with bed-and-breakfast rules applied.
Filing deadlines
Self Assessment, MTD ITSA quarterly updates, VAT, Corporation Tax, Confirmation Statement — every date counted down to the day, with HMRC reminders surfaced.
Safe-to-spend
Your true bank balance after tax, NI and student loan are set aside. On every screen. Updates with every transaction.
Built for individuals. Not for accountants.
Most accounting software (Xero, QuickBooks, FreeAgent) was designed for bookkeepers to use on behalf of clients — priced per invoice, per bill, per employee. Spidr starts from the other end: your personal finances. Then it scales up cleanly when you incorporate.
Legacy accounting software
Xero · QuickBooks · FreeAgent
- Priced per invoice, per bill, per employee.
- Built for accountants to use on your behalf.
- No personal Self Assessment or MTD ITSA.
- No safe-to-spend after tax. You guess.
- PAYE and dividends invisible — they're "personal".
- Setup from £16/month even for a tiny one-person shop.
spidr
Built for you.
- Flat tier price. Everything included. No surprises.
- Designed for you to use directly. No accountant required.
- Self Assessment, MTD ITSA, CGT — all built in.
- Safe-to-spend on every screen. Tax always reserved first.
- PAYE + self-employment + dividends + property unified.
- All plans free for 3 months. From £8/mo after that.
Figure 1
Side-by-side: Spidr dashboard (safe-to-spend, tax pot, deadline calendar) vs. traditional accounting software (invoices, bills, debtors).
Pricing references current at time of writing. Spidr is in private beta — Free tier is live, paid tiers launch alongside HMRC integration.
How it works
Three steps from sign-up to live tax estimate. No spreadsheets, no data entry, no accountant call.
Connect your banks
Open Banking links every account in two minutes. Read-only. Your bank login stays at your bank.
Tell us your income mix
PAYE salary, self-employment business, dividends from your Ltd, rental BTL — switch on whichever apply.
See your safe-to-spend
Tax estimate, tax pot, and the one number that matters — the money you can actually spend after HMRC's share is reserved.
Figure 2
App screenshot — three-step onboarding flow.
Snap the receipt. Spidr does the rest.
Walk out of the café with the coffee in one hand and the receipt already attached to the transaction. The mobile app will match the receipt to the matching debit automatically — no manual lookup, no end-of-month pile to sort. (Mobile capture is on the way; today Spidr matches receipts from your connected inbox.)
One-tap capture (coming soon)
Open the camera straight from the app to snap a paper receipt — OCR will extract the merchant, date and amount.
Auto-matched to the transaction
Spidr finds the matching debit from your bank feed and attaches the receipt — even if it lands a day later.
Self Assessment-ready
Every receipt is stored against its transaction, with the HMRC-required 6-year retention handled automatically.
Transactions
Today · 4 June
Pret a Manger
12:34 · Food
−£4.50
Office Depot
11:20 · Business
−£42.99
Yesterday
LNER
17:45 · Travel
−£68.20
Stop guessing what you owe.
Every plan is free for the first three months. Upgrade or downgrade anytime — you only pay once your tax life gets complicated enough to warrant it.