untied
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
LocationHeadquarters
- 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 offeringCore 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 profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
untied technology and API
TechnologyTechnology 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 signalPartnerships
Seven partnerships are on record, tiered core.
- TrueLayercorePrimary 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 LtdcoreProvides 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.
- StripecorePayment processing platform used for managing subscriptions and licence fee payments. Acts as merchant of record for payment processing.
- PaddlecorePayment processing platform used for managing subscriptions and licence fee payments. Acts as merchant of record.
- Google Cloud / AWS / Dropbox / MicrosoftcoreCloud infrastructure and data storage providers for user data, application hosting, and backup services.
- HMRCcoreHM 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)coreProfessional 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 assessmentDirect 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 social profiles
Digital presenceuntied compliance and trust
Trust signalCompliance4 records
untied financial estimates
Financial estimateRevenue estimate
Valuation estimate
untied leadership team
Management profileNumber of profiles
Profiles4 records
untied funding detail
Funding detailFunding 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 investmentM&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?
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.
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.