Blog
Commentary, analysis and behind-the-scenes thinking from the team that reads fee tables for a living. Dated, opinionated, always showing the working.
This week in UK small business software — 12 October 2026
The Budget date that matters for MTD, a "free" bank plan quietly repricing its meters, and one calculator trick worth ten minutes. Three stories, our take, no filler.
Why "free" business banking isn't — the five meters nobody mentions
Every challenger sells a free business account. Almost all of them meter something. We mapped the five dials — transfers, cash, incoming commission, FX and team cards — and built a calculator to prove it.
The Autumn Budget lands 28 October — what it could mean for MTD wave 2
The Chancellor's first Budget arrives three weeks from now, with MTD wave 2 (£30k+ sole traders) due to start 6 April 2027. Here is what businesses and accountants should watch for — and what to do either way.
We built a payroll cost calculator because nobody else would show the maths
UK payroll pricing is a maze of per-employee fees, pension add-ons and quote-only vendors. We modelled four providers across team sizes of 1 to 50 and put the maths on the site. Here is what the numbers say.