Savy

What Savy does

Savy Solutions Limited is a UK-based fintech operating an AI-driven mobile application that helps individual taxpayers identify and claim missed tax refunds with HMRC. The company's primary target segments are PAYE employees and CIS contractors whose work involves travel, with secondary scope across self-employed, landlord, and gig-worker use cases. The product is positioned to solve a documentation-heavy, friction-laden experience: HMRC sends approximately 130 million letters per year, fines 1.1 million people annually for missed deadlines, and an estimated £624 million in unclaimed tax savings goes uncollected each year.

The platform combines natural language processing for HMRC letter and tax-code translation with a conversational Q&A interface, process automation for direct HMRC filing, and a recommendation engine that builds a persistent per-user tax profile for ongoing monitoring and personalized guidance. The end-to-end workflow is exposed via a three-step mobile flow (travel input, refund calculation, payout) and a free 24/7 support layer, with paid services for refund claims (up to £20,000), Self Assessment filings, and complex HMRC enquiry handling. No proprietary model, patents, or third-party AI benchmarks are disclosed; the underlying capabilities are described at the application layer rather than at the model layer.

Revenue is earned on an outcome/fee-for-service basis — successful tax refunds, tax return filings, and HMRC enquiry resolutions — while the monitoring and Q&A tier is permanently free. Distribution is self-serve and product-led via the mobile app and a "Notify me" waitlist on savy.app, with two unnamed B2B distribution partnerships in launch alongside a November 2025 Crowdcube investment of approximately $36,810. The company is incorporated as a private limited company (company number 15479653), headquartered at Huckletree Express, Manchester, and operates with a 1–10 employee team.

Name

Savy

Legal name

Savy Solutions Limited

Website

https://savy.app

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Savy Solutions Limited is a UK fintech operating an AI-driven mobile app that helps individual taxpayers identify and file tax refunds with HMRC, serving PAYE employees and CIS contractors who travel for work. It earns outcome-based fees on successful refunds, Self Assessment filings, and HMRC enquiry handling.

Ownership category

akta.pro rank

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Tax refund claim fees: Savy charges users when a successful tax refund is claimed. The specific fee structure is not publicly disclosed, but the company clearly states it is free to use for monitoring and support, with payment required for refunds and complex enquiries.
2. Tax return filing services: Savy charges for preparation and filing of Self Assessment tax returns, a service positioned alongside the free monitoring tier.
3. Complex HMRC enquiry handling: Savy offers to manage complex HMRC enquiries on behalf of users for a fee, complementing its free baseline support offering.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Savy operates an AI-driven mobile application that helps UK taxpayers identify and claim missed tax savings, particularly refunds on work-related travel expenses for PAYE employees and CIS contractors. The app uses artificial intelligence to calculate refunds, file claims directly with HMRC, translate baffling HMRC correspondence into plain English, and provide 24/7 conversational tax support. Tax support and monitoring are free; users pay fees only when a refund is successfully claimed, when a Self Assessment tax return is filed, or when complex HMRC enquiries are handled on their behalf.

Product overview

Savy is a single unified mobile application for UK taxpayers, combining free AI-powered tax monitoring with paid services for tax refunds, tax return filing, and HMRC enquiry handling. The core platform uses AI to learn each user's full tax picture, answer questions in plain English, and proactively monitor for issues. Paid add-ons cover specific services: tax refund claims (up to £20,000 for work travel), Self Assessment tax returns, and complex HMRC correspondence management.

Differentiator

Problem solved

Functional benefit

Products and services

• Savy App AI-driven mobile application that helps UK workers identify and claim missed tax savings. Guides users through a three-step process (tell Savy about work travel, calculate the refund, get paid) and provides ongoing free AI-powered tax monitoring and 24/7 conversational support. Available to individual UK taxpayers including PAYE employees, CIS contractors, gig workers, landlords, and self-employed individuals.
• Tax Refund Claims Service Paid service in which Savy calculates the exact tax refund owed to the user (up to £20,000 for work travel), files the claim with HMRC on the user's behalf, and handles the end-to-end process. Targeted at UK PAYE taxpayers and CIS contractors who travel as part of their job. Fees are charged only on a successful refund payout.
• Tax Return Filing Service Paid service for self-employed individuals, CIS contractors, and landlords to prepare and file complete Self Assessment tax returns through Savy's platform, with Savy handling HMRC submission on the user's behalf.
• Complex HMRC Enquiries Handling Service Paid service in which Savy manages complex HMRC enquiries on behalf of the user — including correspondence, calls, and resolution — without requiring the user to speak directly to HMRC.

Quantifiable outcome

• Up to £20,565 in a single tax refund claim (highest submitted by Savy user)
• +5 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Unnamed B2B Partner 1coreChannel Partner/ Reseller/ Distributor · 3 November 2025Savy announced it is launching its first B2B partnership alongside its investment raise. No specific partner name was disclosed in the available source. The partnership is described as a commercial channel through which Savy's tax-saving app will be made available to business customers.
• Unnamed B2B Partner 2coreChannel Partner/ Reseller/ Distributor · 3 November 2025Savy announced it is launching a second B2B partnership alongside its investment raise. As with the first B2B partnership, no specific partner name was disclosed. This partnership also appears to be a commercial distribution channel for the tax-saving app.

Scale indicators8 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• TaxScouts: UK-based AI-assisted tax preparation service that handles Self Assessment tax returns on behalf of individuals, charging per-return fees. Directly comparable to Savy's tax-return and refund offering, serving the same UK consumer market.
• Taxfix: European (German-origin) mobile-first tax filing app that uses conversational AI to prepare and submit tax returns. Closely comparable to Savy in product approach (mobile, AI-led, end-user tax filing), though operating in continental European markets rather than the UK.
• GoSimpleTax: UK self-assessment tax software used by individuals and small businesses to prepare and file returns directly with HMRC. A direct competitor to Savy's tax return filing feature within the same UK PAYE/self-employed segment.
• Coconut: UK accounting and tax app designed for freelancers, sole traders, and limited companies, offering Self Assessment filing and bookkeeping. Overlaps with Savy's self-employed and CIS contractor segments with a similar mobile-first SaaS model.

Broad incumbents

• FreeAgent: Established UK accounting platform (owned by NatWest) serving freelancers, contractors, and small businesses with bookkeeping, tax, and payroll tools. A larger incumbent offering broader accounting capabilities overlapping Savy's self-employed and CIS tax features.
• QuickBooks Self-Employed: Intuit's UK self-employed product offering mileage tracking, expense categorization, and Self Assessment tax support. A large incumbent serving the same UK freelancer/contractor tax workflow Savy targets, backed by significantly greater resources.
• HMRC App & Services: The UK tax authority's own digital services, including its official app and online portal, providing free access to tax codes, PAYE information, and Self Assessment. Serves the same end user and represents the default incumbent that Savy differentiates against.

Emerging players

• Hnry: Australia/NZ-based all-in-one service for freelancers and contractors handling tax, invoicing, and payments as a single integrated solution. Conceptually analogous to Savy's "all tax taken care of" proposition for PAYE/CIS contractors, though geographically distinct.
• 1tap (formerly TaxFyle): On-demand tax filing app that connects users with tax professionals to file returns via mobile. Comparable to Savy's mobile-first tax filing approach, though using a human-professional model rather than full AI automation.
• Keeper (formerly WeFile): AI-powered US tax filing app that automates federal and state returns for W-2 employees and freelancers. Closely comparable to Savy's mobile-first, AI-automated, outcome-driven refund and filing model, though operating in the US tax regime.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors

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

M&A

Investments

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

Frequently asked questions about Savy