Your books, VAT and tax returns, done for you.

YPA is your pocket accountant for UK builders, landlords and small companies. Snap your receipts and we do the rest. A UK partner checks every return before it's filed.

✓Fixed monthly fee
✓Every return checked twice
✓Filed 7+ days before the deadline
Deadlines we handle for you:
CIS returns 19th monthly
MTD updates 7 Nov · 7 Feb · 7 May · 7 Aug
Self Assessment 31 January
VAT returns quarterly
Corporation Tax CT600
Company accounts Companies House
Payroll RTI
CIS returns 19th monthly
MTD updates 7 Nov · 7 Feb · 7 May · 7 Aug
Self Assessment 31 January
VAT returns quarterly
Corporation Tax CT600
Company accounts Companies House
Payroll RTI
Why YPA

Accounting that's actually done for you

Many cheap online firms hand you software and leave the bookkeeping to you. We do the whole job, at a lower price.

Snap it, forget it

Photograph a receipt or connect your bank feed. Our bookkeepers do the rest every month.

Checked twice

Every return goes through two quality checks, with a final sign-off by our UK partner.

Never late

We file at least 7 days before every HMRC and Companies House deadline. No last-minute stress.

Specialists

We know CIS, landlord rules and online-seller VAT inside out. We're not generalists.

Our advantage

The full job for 17% to 41% less

We compared our complete packages with the same work at a leading budget online accountancy firm, using their published rates.

  • ✓
    No upfront feesClear monthly price, paid by Direct Debit. Cancel with notice.
  • ✓
    Free onboarding on a 12-month planNormally £99, including your ID check.
  • ✓
    Free business rates & council tax checkFor every client, handled by a RICS-qualified surveyor partner.

Monthly price for the same work

Prices exclude VAT
MTD Starter41% cheaper
£50
£84.50
Trader Complete29% cheaper
£95
£134.50
Ltd Essentials25% cheaper
£145
£193.50
Ltd Growth17% cheaper
£275
£329.50
YPALeading budget online firm
Plans & pricing

Simple monthly plans

Pick the plan that fits your business. Everything is included, with no surprise bills.

MTD Starter

Sole traders & landlords not registered for VAT
£50 /month
Excluding VAT · £60 inc VAT
  • Monthly bookkeeping
  • Quarterly HMRC MTD updates
  • Annual Self Assessment return
  • Receipt-snap app
Choose MTD Starter

VAT Starter

Small VAT-registered businesses
£50 /month
Excluding VAT · £60 inc VAT
  • Monthly bookkeeping
  • Quarterly VAT returns
  • MTD-compatible filing
  • Receipt-snap app
Choose VAT Starter
MOST POPULAR

Trader Complete

VAT-registered sole traders, such as builders
£95 /month
Excluding VAT · £114 inc VAT
  • Everything in MTD & VAT Starter
  • CIS returns & deductions
  • Self Assessment return
  • Priority WhatsApp support
Choose Trader Complete

Landlord Ltd

Landlords who own property through a company
£75 /month
Excluding VAT · £90 inc VAT
  • Company bookkeeping
  • Year-end company accounts
  • Corporation Tax return (CT600)
  • Companies House filing
Choose Landlord Ltd

Ltd Essentials

Small limited companies
£145 /month
Excluding VAT · £174 inc VAT
  • Bookkeeping & VAT returns
  • Year-end accounts
  • Corporation Tax return
  • Director payroll
Choose Ltd Essentials

Ltd Growth

Growing companies with staff
from £275 /month
Excluding VAT · £330 inc VAT
  • Everything in Ltd Essentials
  • Quarterly management reports
  • Staff payroll (per employee)
  • Dedicated account manager
Choose Ltd Growth

Extras when you need them

Payroll£6 per employee a month (min £25)
CIS returns£35 a month for building firms
Catch-up bookkeeping£60 for each month behind
Onboarding & ID check£99, free with a 12-month plan
Director ID check£35 per person (Companies House)
One-off tax jobs£150 to £950: property sales, HMRC letters
Tax investigation cover£8 a month
Business rates challengeNo win, no fee
Who we serve

Built for people who'd rather be working

We started with the trades and landlords. They face fixed HMRC deadlines and automatic penalties, so handing it all to us makes the most sense for them.

🔨
Builders & trades

Sole traders and CIS subcontractors. We claim back every penny of CIS tax you're owed.

🏗️
Small building firms

Monthly CIS300 returns by the 19th, with subcontractor checks and payroll.

🏠
Landlords

Quarterly MTD updates and your tax return, with no spreadsheets.

🏢
Landlord companies

Books, company accounts and Corporation Tax for property you own through a company.

🛒
Online sellers

Marketplace payouts, stock and VAT sorted, ready for platform reporting.

💇
Hair, beauty & barbers

Chair rental, card takings and tips recorded properly.

🧽
Cleaning companies

Staff payroll, mileage and VAT for growing teams.

🚕
Taxi & delivery drivers

Every allowable expense claimed, with app earnings matched.

📒
Other accountancy firms

Trained bookkeepers working inside your systems, about £1,200 a person a month.

💼
Consultants & professionals

Limited company accounts, director payroll and dividends planned properly.

🩺
Care providers

Payroll-heavy books kept accurate and on time.

✈️
Founders living abroad

Run a UK company from anywhere. We handle the UK side.

🌏
UK & Pakistan income

Tax returns for people with income in both countries, with no double taxation.

885,000construction firms in the UK, the biggest small-business sector
864,000sole traders & landlords brought into Making Tax Digital in April 2026
£100automatic penalty for a CIS return filed one day late
How it works

From shoebox to filed in seven steps

You do step 1 and step 5. We do everything else.

1
You send receiptsPhone app & bank feed
2
BookkeepingDone by your bookkeeper
3
Return preparedVAT, MTD, CIS, accounts
4
Two checksQuality team, then UK partner
5
You approveOne tap in the app
6
UK partner files7+ days before deadline
7
FiledHMRC or Companies House

If anything fails a check, it goes back to step 2. Nothing gets filed until it's right.

0working days to update your books after each month end
0×every return checked twice before filing
0+days early: we file well before every deadline
0working day to answer your questions. Simple ones get answered instantly.
Key dates

Never miss a deadline again

19th monthlyCIS returns dueFor contractors paying subcontractorsNever miss the 19th
7 Nov · Feb · May · AugMTD quarterly updatesSole traders & landlordsWe send them for you
31 JanuarySelf Assessment deadlinePersonal tax return & paymentBeat the January rush
6 April 2027MTD reaches £30k+ earnersThousands more must go digitalGet ready now
April 2028MTD reaches £20k+ earnersSmaller landlords & sole tradersWe've got you
Starting a company

Register your limited company with Tide

We've partnered with Tide so you can register a company with Companies House for £14.99, with a free business bank account. Once it's set up, send us your company number and we'll handle the accounts, Corporation Tax and deadlines.

  1. Check your nameSearch the company name you want on Tide.
  2. Fill in the formDirectors, shareholders, SIC code and a UK registered office address.
  3. Verify your IDEvery director verifies their identity, as Companies House requires.
  4. Tell us your numberUsually incorporated within 48 hours. Send us the company number and we take it from there.
Company registration with Tide
£14.99one-off, paid to Tide
  • Certificate of Incorporation by email
  • Memorandum & Articles, share certificates and company registers
  • Free Tide business bank account
  • PAYE registration with HMRC
  • Several directors at no extra cost
Register with Tide ↗Already have a company? Create your YPA account →

Registration and banking are provided by Tide, a separate company. Tide sets the price and terms.

More ways we help

Beyond the books

Free for every client

Business rates & council tax

We check whether you're overpaying, for free. Challenges are handled by a RICS-qualified surveyor with no upfront fees, unlike the "refund" firms that take up to 35%.

From April 2027

Help for accountancy firms

Need extra capacity? Our trained bookkeepers work inside your systems on a simple monthly fee. You keep the client relationship.

From October 2027

Overseas clients

UK companies for founders who live abroad, and tax returns for people with income in both the UK and Pakistan.

Our story

A lean firm built around one idea

Small businesses deserve a real accountant who does the work, not just software and a login. We kept our costs low so we can keep your fees low.

WK

Waqar Khalid

WK

Waqas Khalid

AI

Ali Imran

0monthly plans to fit every business
0%maximum saving vs a leading budget online firm
£0a month to get started
0%of returns signed off in the UK
FAQ

Questions, answered

What is Making Tax Digital (MTD) and does it affect me?

MTD means keeping digital records and sending HMRC an update every three months. It started in April 2026 for sole traders and landlords earning over £50,000. It extends to those over £30,000 in April 2027 and over £20,000 in April 2028. Our MTD Starter plan handles all of it for £50 a month.

Do I need to use accounting software myself?

No. You snap receipts on your phone or connect your bank feed, and our bookkeepers do the rest. You approve each return with one tap before we file it.

Who actually files my return?

Our UK partner files every return with HMRC or Companies House as your agent, after two quality checks. We file at least 7 days before each deadline.

How do I pay, and can I cancel?

You pay a fixed monthly fee by Direct Debit. There are no upfront fees, and you get a 14-day cooling-off period. Onboarding is free if you choose a 12-month plan.

Is my data safe?

Your data stays in our secure cloud systems with two-step login. Nothing is downloaded or kept on personal devices. Everyone on our team signs a confidentiality and data agreement, and we're registered with the ICO.

I'm behind on my books. Can you help?

Yes. Catch-up bookkeeping is £60 for each month behind. We'll get you up to date and then keep you there.

Ready to get started?

Hand it over. We'll take it from here.

Book a free 15-minute call. We'll tell you which plan fits and what you'd save. No obligation.

  • Free onboarding on a 12-month plan
  • Refer a friend and you both get a month free
  • Subcontractors of our building-firm clients get a free month