untied

Personal Tax Softwareuntied.io

untied (UT Tax Ltd) is a UK personal tax application that helps self-employed individuals, landlords, and accountants manage Self Assessment and HMRC Making Tax Digital compliance via a mobile and web platform with Open Banking integration and a tiered subscription model.

Company typePrivate
Founded2019
HeadquartersLondon, United Kingdom
Headcount1–10
GTM typeB2C
OfferingSoftware

What untied does

untied (legal entity: UT Tax Ltd) is a UK-based personal tax software company founded in 2019 that operates a mobile and browser application helping individuals manage Self Assessment and HMRC's Making Tax Digital (MTD) obligations. The company serves self-employed workers, gig-economy participants, sole traders, property landlords, high earners with multiple income sources, and — through a separate adviser portal — accountants and tax agents filing on behalf of clients. untied is HMRC-recognised as MTD software, regulated by the FCA as an account information services provider (FRN 910169), and supervised by the Chartered Institute of Taxation.

The platform is built on cloud infrastructure (Google Cloud, AWS, Microsoft, Dropbox for storage) and integrates Open Banking aggregators TrueLayer, Plaid, and Tink to provide automatic bank transaction ingestion across UK and EEA accounts. Core capabilities include HMRC MTD-compliant digital record keeping and quarterly submission, GPS-based automatic mileage tracking, automatic tax-relief identification, in-app tax payments to HMRC, invoice and payment-request tools, a public API (api.untied.io), and a built-in generative-AI assistant in the Pro tier. The registered office is in Woking, Surrey, and leadership comprises CEO and co-founder Kevin Sefton, CTO and co-founder Marcus Tettmar, Chairman Richard Mann, and Chief Product Officer Paul Loberman.

untied runs a product-led, self-serve go-to-market with a 30-day free trial and two annual subscription tiers: untied Lite at £64.99/year aimed at gig workers and sole traders with simpler filing needs, and untied Pro at £129.99/year for users requiring full MTD functionality and unlimited income categories. Distribution spans the untied.io website, iOS and Android app stores, and a dedicated B2B adviser portal at advisers.untied.io. The company's disclosed capital history consists of a single 2019 Techstars funding round; no subsequent institutional rounds, acquisitions, or revenue figures are publicly reported.

untied firmographics

Firmographics

Name: untied
Legal name: UT Tax Ltd
Website: https://untied.io
Company type: Private
Founded year: 2019
Operating status: Operating
Headcount range: 1–10 employees
Short description: untied (UT Tax Ltd) is a UK personal tax application that helps self-employed individuals, landlords, and accountants manage Self Assessment and HMRC Making Tax Digital compliance via a mobile and web platform with Open Banking integration and a tiered subscription model.
Ownership category
akta.pro rank

Where untied is headquartered

Location

Headquarters

HQ city: London
HQ country: United Kingdom
HQ region: Europe

Offices1 record

Markets served

untied business model

Business model

GTM type: B2C
Offering type: Software
Cost components: Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

Subscription Revenue: Two-tier subscription model: untied Lite at £64.99/year and untied Pro at £129.99/year. Users can also subscribe through app stores (iOS/Android) via monthly or annual billing. Free 30-day trial available with any plan. Paid plan required for filing tax returns.

Pricing tiers

Model	Billing	Price
Subscription	Annual	Entry-level plan for gig workers and those starting out
Subscription	Annual	Full-featured MTD-compliant plan for most users

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

untied product offering

Product offering

Core offering

untied is a UK personal tax application that enables self-employed individuals, gig workers, landlords and high-earners to file Self Assessment tax returns and comply with HMRC's Making Tax Digital (MTD) requirements. The software connects bank accounts, credit cards and tax accounts via Open Banking, automatically categorises transactions, logs mileage via GPS, identifies tax reliefs, and submits filings and payments directly to HMRC, all from a mobile app or web browser.

Product overview

untied is a UK-focused personal tax app offering MTD (Making Tax Digital) and Self Assessment services, accessible via mobile app (iOS and Android) and web browser. The product is structured as a tiered subscription model with untied Lite (entry-level, £64.99/year) for gig workers and sole traders, and untied Pro (£129.99/year) as the full-featured tier with unlimited income categories and automatic transaction handling. A separate adviser offering, untied for Agents, provides a dedicated portal for accountants and bookkeepers to manage client filings. Key add-on features include untied Express Submit (enabling filing without HMRC login), built-in untied AI for guidance, and a suite of tax calculators and tools. The platform integrates with Open Banking providers (TrueLayer, Plaid, Tink) for bank feeds and Stripe/Paddle for payments.

Differentiator

Problem solved

Functional benefit

Brands

untied Lite: Entry-level plan for gig workers, delivery riders and drivers priced at £64.99/year with basic tax filing features.
untied Pro

Products and services

untied personal tax app Mobile (iOS/Android) and web-based HMRC-recognised application that enables UK individual taxpayers to link bank accounts, credit cards and tax accounts via Open Banking, automatically categorise transactions, log mileage via GPS, claim reliefs, and submit Self Assessment returns and payments directly to HMRC under the Making Tax Digital regime.
untied Adviser Portal

Quantifiable outcome

Saves users time and money on their tax return

Companies that use untied

Customer profile

Named customers5 records

Segments4 records

Ideal customer profiles3 records

untied technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature6 records

untied partnerships and signals

Strategic signal

Partnerships

Seven partnerships are on record, tiered core.

TrueLayercoreTechnology or IntegrationPrimary Open Banking provider for UK and EEA bank accounts. Enables secure access to bank transaction data and payment initiation services. TrueLayer Limited is authorised by the FCA under the Payment Services Regulations 2017 (FRN: 901096). TrueLayer (Ireland) Limited is authorised by the Central Bank of Ireland (FRN: C433487).
Plaid Financial LtdcoreTechnology or IntegrationProvides regulated account information services as an authorised payment institution regulated by the FCA (Firm Registration Number: 804718) for the provision of payment services including account information services.
StripecoreTechnology or IntegrationPayment processing platform used for managing subscriptions and licence fee payments. Acts as merchant of record for payment processing.
PaddlecoreTechnology or IntegrationPayment processing platform used for managing subscriptions and licence fee payments. Acts as merchant of record.
Google Cloud / AWS / Dropbox / MicrosoftcoreTechnology or IntegrationCloud infrastructure and data storage providers for user data, application hosting, and backup services.
HMRCcoreTechnology or IntegrationHM Revenue & Customs integration for MTD compliance, Self Assessment filing, and tax payments. untied is HMRC-recognised software for Making Tax Digital for Income Tax Self Assessment.
Chartered Institute of Taxation (CIOT)coreTechnology or IntegrationProfessional body that supervises untied under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

untied competitors and assessment

Company assessment

Direct peers

FreeAgent: UK cloud accounting app focused on freelancers, micro-businesses and accountants, owned by NatWest and HMRC-recognised for MTD. Most direct UK product competition, though broader (SMB and Ltd Co focus) than untied's personal-tax scope.
Coconut: UK-based fintech providing business current accounts and tax/self-assessment accounting software targeted at freelancers and sole traders. Competitor to untied in the UK self-employed tax software category with overlapping Open Banking and MTD positioning.
Counting Up: UK fintech combining a business current account with built-in accounting, expense categorisation and tax tools for self-employed individuals and limited companies. Directly comparable target customer and product surface to untied's personal-tax app.
ANNA Money: UK business current account and tax administration app for freelancers, sole traders and contractors, FCA-regulated and offering invoicing, expense tracking and MTD-ready tax features. Direct overlap on UK self-employed segment and tax use case.
TaxScouts: UK online tax filing service combining AI-assisted prep with accountant review for individuals and self-employed taxpayers. Competes for the same Self Assessment customer and overlaps on HMRC recognition and AI-assisted workflow.

Broad incumbents

Xero: Global cloud accounting platform with strong UK presence and MTD-recognised software for accountants and small businesses. Competes in adjacent SMB accounting rather than personal-only tax, but reaches many of the same end customers and accountants.
QuickBooks (Self-Employed / UK): Intuit's UK cloud accounting product, including a Self-Employed tier with bank feeds, mileage tracking and Self Assessment/MTD support. Established incumbent serving the same UK self-employed segment from a much larger product portfolio.
Sage: UK-originated global accounting and payroll software provider with HMRC-recognised personal tax and SMB accounting products. Broad incumbent with overlapping MTD-ready self-employed accounting features.

Regional players

Taxfix: Mobile-first consumer tax filing app originally from Germany and expanding across Europe, using AI to assist personal tax returns. Thematic peer on AI-assisted mobile personal-tax filing, though currently focused on continental European markets.
Bokio: Swedish fintech offering simple accounting, invoicing and tax tools for small businesses and self-employed, with bank integration and AI features. Comparable product shape and self-employed target, though focused on the Swedish market.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

untied compliance and trust

Trust signal

Compliance4 records

untied financial estimates

Financial estimate

Revenue estimate

Valuation estimate

untied leadership team

Management profile

Number of profiles

Profiles4 records

untied funding detail

Funding detail

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

untied M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about untied

What does untied do?

Is untied a public or private company?

untied is a private company. It is classified as venture growth investor backed and is currently operating.

When was untied founded?

untied was founded in 2019. It employs 1 to 10 people.

Where is untied based?

untied is headquartered in London, United Kingdom, in the Europe region.

How does untied make money?

One revenue line is on record: subscription Revenue.

Who are untied's main competitors?

Direct peers on record are FreeAgent, Coconut, Counting Up, ANNA Money and TaxScouts. Broad incumbents are Xero, QuickBooks (Self-Employed / UK) and Sage. Regional players are Taxfix and Bokio.

Does untied have an API?

Yes. untied provides APIs accessible via https://api.untied.io/, including a public filter link generation endpoint (https://api.untied.io/public/createFilterLink.html) that allows generating custom transaction filter URLs with parameters for tax year, transaction type, tags, keywords, and sort order. The company also mentions application programming interfaces (APIs) as part of its core service definition and uses third-party APIs (e.g., for journey determination from location data). No further public API documentation details (auth method, rate limits, versioning, SDKs) are available in the provided sources. Developer documentation is at api.untied.io.