Smart software. Smarter accountant.
Joy Pilot — our HMRC-recognised cloud accounting software — keeps your numbers live in the background. Bank feeds, invoices, expenses, tax pots. Your dedicated accountant works from the same screen, so nothing gets lost between you.
Free with every No Worries package. No bolt-on fees, no “AI add-on”, no separate software bill on top.
Just want the software on its own? Visit Joy Pilot.
Included free with every No Worries accounting package — software + a dedicated accountant, working together.
The product
See Joy Pilot in action.
A live view of your business — bank, tax, invoices, expenses, all in one place. Ready the moment you sign up.
Freelancer King
Unpaid Invoices
GBP
6,400.00
Personal tax
GBP
3,150.00
Company tax
GBP
8,470.00
VAT
GBP
4,920.00
Bank Accounts [+ Add]
Bank feeds | None [+ Bank feed]
HSBC Current Account (12345678)
Latest balance: £18,450.00 on 01-Oct-2026
Profit & Loss Summary
See full reportBalance Sheet Summary
As at 30-Sep-2026
Calendar
Expenses
Create NewInvoices Show unpaid only
Create NewRead more about Joy Pilot, or see our Joy Pilot vs. Xero comparison.
Meet Jodie. Your calm co-pilot.
Joy Pilot includes genuinely useful AI — not bolted-on, not a paid add-on. Ask questions, create invoices by voice, scan receipts in any language. It's all just there.
Ask Jodie
Your numbers, in plain English.
Invoice by voice
Speak it. See it. Sent.
Snap a receipt
CAFÉ NERO
Kingston High St
Café Nero
£6.00
£1.00
AI extracts every detail — in any language.
Every AI feature included. No add-ons.
Core features
Everything you'd expect. Nothing you don't.
The core features any good accounting software should deliver — Joy Pilot ticks every box.
Bank feeds
Transactions imported automatically from UK and European banks. Review, categorise, done.
Multi-currency
Invoice and track expenses in any currency. Built for contractors who work globally.
Easy invoicing
Create, send and track professional invoices in minutes. See who's paid at a glance.
Tax dashboard
A live view of corporation tax, VAT and personal tax. No surprises at year-end.
Financial reporting
P&L, balance sheets and cash flow — drill down when you need detail, skim when you don't.
Works everywhere
Full-power Joy Pilot on phone, tablet and laptop. Because work doesn't stay at your desk.
The No Worries advantage
Great software. Real people behind it.
Every other accounting platform stops at the software. We don't. With No Worries you get Joy Pilot and a dedicated accountant — working together on your business.
Your No Worries portal. Same numbers your accountant sees, all in one place.
A real person sets you up and stays with you — no help-desk tickets, no chatbots.
A dedicated accountant for day-to-day questions — same person, year after year.
Proactive check-ins, not just answers on demand — we flag things before you'd think to ask.
Why our own software
Built for contractors, not adapted for them.
Xero and FreeAgent are excellent tools — for the businesses they were designed for. UK contractors and freelancers need something different. So we built it.
We started No Worries in 2005, specifically to help UK contractors and freelancers. From day one, the off-the-shelf accounting software available to us was designed for a different audience — retail businesses and general SMEs — not for people billing day rates, juggling IR35, taking dividends, or filing as sole traders under MTD ITSA.
Xero, FreeAgent, QuickBooks and Sage are excellent products. They’re a good fit for the businesses they were built for. But ask them to model an IR35-inside contract against an IR35-outside one, plan a dividend payment around the corporation-tax bill, or run CIS deductions cleanly through a subcontractor schedule, and the workflow stops feeling natural. You end up exporting to a spreadsheet to do the bit the software won’t.
We built Joy Pilot to remove those workarounds. Every workflow inside it — bank feeds, invoicing, expenses, tax pots, dividend planning, IR35 scenario modelling, CIS automation, MTD VAT and ITSA filing — was designed around the way a UK contractor actually works. Not adapted from an SME tool. Built from a blank page, with that specific user in mind.
Today Joy Pilot is HMRC-recognised cloud accounting software, used daily by more than 2,500 No Worries clients, and listed on HMRC’s registers of MTD-compatible software for VAT and Income Tax (ITSA). It’s included free with every No Worries accounting package because we think the software and the accountant should arrive together — not be billed separately.
And because we know the question matters: your data is your data. You can export your full record set to CSV at any time, and if you ever leave, your HMRC-filed records stay with your business. No lock-in.
Greg Hanton
Co-founder, No Worries Accounting & Joy Pilot · Chartered Accountant (ACCA)
Compare
Joy Pilot vs Xero & FreeAgent.
Both Xero and FreeAgent are excellent general-purpose SME accounting tools. Joy Pilot is a specialist tool built around the workflows UK contractors and freelancers actually run. Here’s the honest, side-by-side difference.
Xero / FreeAgent
Built for general SMEs. Excellent at what they were designed for; not designed around UK contractor tax workflows.
- Live tax position: VAT visible only via end-of-period returns; corporation tax and personal tax are not calculated in-app.
- Personally-paid expenses: workflow built around employee-approval chains in larger organisations — convoluted for a one-person limited company that occasionally pays for a business expense on a personal card.
- Bank-feed reconciliation: reconcile a bank transaction without a pre-entered Bill and it posts to your P&L but never appears in your Bills/Expenses list — easy to lose track of the underlying record.
- UK contractor workflows: CIS subcontractor automation available on higher tiers or via paid add-ons; MTD ITSA support varies by tier.
- Voice / chat AI assistant in the core product: not built in.
- Pricing: monthly software subscription billed separately from your accounting fees.
Joy Pilot
Purpose-built for UK contractors, freelancers, sole traders and landlords. HMRC-recognised. Every workflow designed for the way you actually file.
- Live tax dashboard: VAT, corporation tax and personal tax all calculated in real time. Personal Tax projection works from salary, dividends and other income — typically accurate to within 1% of the final liability.
- Personally-paid expenses, in one click: toggle each expense as paid by the business or paid personally. Joy Pilot tracks a running total of what the company owes you back.
- Bank-feed reconciliation that doesn’t lose your records: reconcile a bank transaction without a pre-entered expense and Joy Pilot auto-creates the Expense record. Reconcile 20 transactions; you get 20 expense records.
- UK contractor workflows built in: CIS subcontractor automation, MTD VAT and MTD ITSA filing all included on every account — no higher tier, no paid add-on.
- Jodie — the in-app AI assistant: voice and chat for invoices, expenses and tax queries, included.
- Pricing: included free with every No Worries accounting package — software and accountant arrive together, not as separate bills.
If you’re running a retail shop, an agency, or a multi-staff SME, Xero or FreeAgent are likely the right choice. If you’re a UK contractor, freelancer, sole trader or landlord, Joy Pilot was built for you specifically — and comes free with the accountant.
Recommended business banks
Works with the banks you actually use.
Joy Pilot connects to 150+ UK banks via Open Banking, using Salt Edge as our Open Banking provider. The five neobanks below are the ones our contractor clients use most — whichever you pick, the bank feed wires straight into Joy Pilot. Compare the options →
Tide is a referral partner. Starling, Monzo, Revolut and Wise are listed because our clients use them widely — no affiliation implied. Bank feeds are provided via Salt Edge under UK Open Banking.
What our clients say
Real words from real clients.
“They have an excellent portal as well with all the information you need!”
— Prasad
Thanks Prasad — exactly what the portal’s there for. 😊
“Their online bookkeeping platform is both easy to navigate, as well as detailed and informative.”
— Dobrochna
Thanks Dobrochna — easy to use was very much the plan. ✨
“Genuinely great/easy to use tech platform too.”
— Pete
Thanks Pete — that’s what we like to hear. 🙌
Independently pen-tested. Built on AWS. OWASP Top 10 reviewed.
Security overview
How we protect your data.
Your data security is a core part of how No Worries is built. Here’s how we protect your account, your financial data, and your privacy.
Platform & infrastructure
Our platform is hosted on AWS and independently penetration tested, with code and configuration developed in line with OWASP Top 10 guidance. All data is encrypted in transit and at rest. We use strong access controls, secure session handling, and account protections such as two-factor authentication to keep your account safe.
Financial data
We never store bank login credentials directly. Bank connections use secure, regulated authorisation methods (Open Banking and equivalent OAuth flows), and sensitive payment details are handled by trusted third-party providers rather than passing through our servers. Uploaded files are scanned for malware before storage, and customer data is kept isolated so one account can never access another.
Your privacy rights
We support the data privacy rights you’d expect, including access, export, and deletion requests — deletion is available directly in-app, and access and export requests are handled on request.
We do not sell customer data — ever.
Questions about our security practices? Get in touch.
Also in Resources
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Accounting software,
done brilliantly.
Whether you're a freelancer, contractor, sole trader or limited company, we've got you covered — backed by software built around the way you actually work.
Prefer to talk? Call us on 020 7731 1117