Built around how you actually work.
Not sure which plan fits? Don’t worry about the label — we’ll match the service to the shape of your week.
Three main paths in: Sole Trader, Limited Company Contractor, Umbrella — plus specialist plans when those don’t quite cover it. Call yourself a freelancer? You’ll still land in one of these.
It’s about how you work — not what you call yourself. Every plan is fixed-fee, software included, no tie-ins.
Choose your path
Three main ways in.
Each path is its own service, its own pricing, its own signup — but the same software and the same expert team sit behind all of them.
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Sole Trader
Invoice in your own name — the simplest way to run a business.
From £29/mth
- You invoice clients in your own name.
- Under £50k turnover, or just above it.
- MTD ITSA from April 2026 — handled for you.
- CIS subcontractor automation included.
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Most Popular
Limited Company Contractor
Bill through your own Ltd — the tax-efficient route once the numbers add up.
From £99/mth
- You contract through a personal service company.
- Outside IR35 on most engagements.
- Payroll, VAT, corp tax, year-end in one place.
- IR35 contract reviews when you need them.
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Umbrella
PAYE without the paperwork — for inside-IR35 or short-term contracts.
From £22.50/wk
- You’re on an inside-IR35 engagement.
- Short-term or single-contract work.
- Full PAYE, holiday pay and statutory cover.
- FCSA-accredited, no skimmed margins.
Also specialist plans: Landlord · SME · Personal Tax · Switch to Us.
If this sounds like you, start here.
Eight situations mapped to the right service. Pick the one that fits — we’ll take it from there.
- I just left PAYE and want to contract. Limited Company Contractor
- I’m doing side work alongside a day job. Sole Trader
- I’m a freelancer and don’t know which structure to pick. Book a consultation
- I’m on an inside-IR35 contract, short term. Umbrella
- I rent out my old flat after moving in together. Landlord
- My Ltd company is growing and I’ve hired. SME Accounting
- I just need my Self Assessment done, nothing else. Personal Tax
- I already have an accountant, but the fit’s wrong. Switch to Us
- I’d rather run the books myself, DIY. Joy Pilot
None of these quite fit you?
Book a free consultation and we’ll tell you plainly where you fit.
What you get — no matter which path.
Three things are standard across every service plan, included not bolted on.
Joy Pilot software, included.
Our own HMRC-recognised, MTD-ready cloud accounting software comes free with every service plan. Others charge £15–£30/month on top for FreeAgent or Xero.
Dedicated expert support.
No call-centre first-line, no offshore chatbot. A real person, picks up the phone, has already seen your kind of thing before.
Fixed monthly fees. No surprises.
No percentage of turnover. No per-call charges. No exit fees. 30 days’ notice to leave. 30-day money-back if we’re not a fit.
Tools & Calculators
Run the numbers before you commit.
Four quick calculators — one for each way you might be paid.
Still not sure?
Let’s talk it through.
Book a free 30-minute consultation and we’ll tell you honestly which plan fits — or recommend something else entirely if that’s the right answer.
Prefer to talk? Call us on 020 7731 1117