What inniAccounts does

inniAccounts Ltd is a UK-based, founder-owned SaaS accountancy firm headquartered in Derby, serving UK contractors, consultants, freelancers, and small limited companies. The platform combines a cloud-native accounting application with a bundled professional accountancy service, priced on fixed monthly subscriptions across three tiers (£129 Essential, £169 Professional, £229 Business, ex VAT). Its proprietary technology stack centres on a real-time tax engine branded 'LiveCash', which continuously calculates available cash after corporation tax and VAT obligations and integrates with dividend payments to prevent illegal distributions; this engine won the Queen's Award for Enterprise Innovation in 2019. The product surface spans automated RTI payroll, a Personal Tax Planner with 'what-if' scenario modelling, an exclusive IR35 Action Planner and Working Practice Assessment Tool, Open Banking (FCA-authorised), Stripe payment integration, multi-currency invoicing across 100+ currencies, and direct HMRC and Companies House filings.

The business model is a hybrid SaaS-plus-service: subscription fees cover access to the proprietary app, all-inclusive accounts and tax-return preparation, unlimited email and phone support, and (at higher tiers) quarterly health checks, annual reviews, and ad-hoc tax advice. GTM is a mix of self-serve website signup, named account-manager-led onboarding, and community/referral-driven acquisition, with 49% of new clients coming via direct recommendation. Distribution is anchored on owned-media assets: the offpayroll.org.uk community platform (5,500+ reviews, 45,000+ outside-IR35 contracts), a 250+ article Knowledge Hub, and the weekly 'Proudly Off Payroll' podcast hosted by CEO James Poyser. The firm has positioned itself as a UK authority on IR35 and contracting tax, evidenced by IPSE Supplier of the Year 2021, British Accountancy Awards Independent Firm of the Year, and The Drum PR Grand Prix 2020. All equity is held by founders; no external capital has been raised.

Name

inniAccounts

Legal name

inniAccounts Ltd

Website

https://inniaccounts.co.uk

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

inniAccounts is a UK-based, founder-owned SaaS accountancy platform that bundles proprietary real-time tax software with a full accountancy service for contractors, consultants, freelancers, and small limited companies, sold via fixed monthly subscriptions.

Ownership category

akta.pro rank

Product category

Contractor Accounting Software

NAICS

Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Offices of Certified Public Accountants (541211), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412)

akta.pro primary industry

Independent Contractor Compliance & Classification (IC vs Employee) (BPACAGAA)

akta.pro secondary industries

Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB), Expense Management & Reimbursements Administration (BPACAIAH)

Keywords

• Contractor accounting services
• IR35 compliance tools
• Real-time tax planning
• Limited company bookkeeping
• Cloud accounting software

Headquarters

HQ city

Derby

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Fees: Fixed monthly subscription fees across three service tiers; all-inclusive service covering accounting, tax advice, software access, and support

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels10 records

Core offering

inniAccounts provides a cloud-based accounting SaaS platform bundled with a full accountancy and tax service for UK contractors, consultants and freelancers who operate via limited companies. Its proprietary real-time tax engine (LiveCash) and IR35 assessment tools are paired with named account managers who handle annual accounts, corporation tax, VAT, payroll and personal self-assessment for a fixed monthly subscription.

Product overview

inniAccounts is a cloud-based accountancy platform and service provider for contractors, freelancers, and small businesses. Its core offering is the inniAccounts Cloud Accounting App — an all-in-one platform combining time tracking, expenses, mileage, invoicing, automated payroll, dividends, pensions, tax planning, LiveCash, bookkeeping, VAT returns, corporation tax, asset tracking, file storage, and financial reports. The platform integrates with HMRC, Companies House, Stripe, and Open Banking for real-time bank feeds. Key differentiating features include LiveCash (real-time tax engine), the Personal Tax Planner, IR35 Action Planner, and IR35 Working Practice Assessment Tool. The company also provides offpayroll.org.uk (a contractor community and review platform), FairScore (umbrella company ratings), and The Proudly Off Payroll Podcast, alongside a Knowledge Hub of over 250 articles and tiered accountancy service plans (Essential, Professional, Business).

Differentiator

Problem solved

Functional benefit

Products and services

• inniAccounts Cloud Accounting App

Quantifiable outcome

• NPS of 70, which is 6x higher than industry average
• +3 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature9 records

Partnerships

Two partnerships are on record, tiered core.

• StripecoreTechnology or IntegrationPayment processing integration allowing clients to accept credit and debit card payments via online invoice payment links; clients can email invoices directly with embedded Stripe payment links for secure online payment
• Financial Conduct Authority (FCA)coreOthersFCA-authorised for direct bank connectivity enabling Open Banking integration; authorisation required stringent security, process and financial viability scrutiny; proof of professional and robust approach to handling sensitive financial data

Scale indicators7 records

Recent moves1 record

Expansion highlights6 records

Direct peers

• FreeAgent: UK-focused cloud accounting platform specifically designed for freelancers, contractors and small businesses; closely comparable product, target customer (UK contractors/limited companies) and pricing tiers, and a frequent switching destination for the same segment inniAccounts serves.
• Crunch: UK contractor-specialist accountancy service offering tiered monthly accounting packages with integrated online accounting software; directly comparable in target segment (UK limited-company contractors), bundled software+accountancy model and pricing structure.
• SJD Accountancy: Long-standing UK contractor and freelancer accountancy practice providing accounting, IR35 advice, tax planning and limited company services; directly comparable in vertical specialism, IR35 focus and bundled service model.
• Clear Books: UK cloud accounting software with accountant collaboration built for small businesses and contractor-style limited companies; comparable as a UK-native SaaS accounting platform with accountant-led workflows for the same SMB contractor base.

Broad incumbents

• Xero: Global cloud accounting platform widely adopted by UK small businesses, contractors and accountants; comparable SaaS accounting product but serves all SMB verticals and lacks contractor-specialist depth like inniAccounts' IR35 and real-time dividend tools.
• QuickBooks (Intuit): Dominant global SMB/cloud accounting product with a UK edition; comparable SaaS bookkeeper-plus-accountant offering but focused on a much broader market without inniAccounts' IR35/contractor specialism.
• Sage: UK-originated accounting and payroll SaaS giant serving small businesses and accountants; comparable payroll/expense/VAT capabilities but operates at much broader scale and lacks inniAccounts' contractor-vertical depth.

Emerging players

• Qdos Contractor Insurance & IR35: UK specialist in IR35 status determination, tax enforcement insurance and contractor compliance; adjacent rather than directly overlapping, but serves exactly the same IR35-anxious contractor buyer as inniAccounts and frequently recommended in the same channel.
• TaxScouts: UK-focused digital tax and accountancy platform pairing SMB customers with a network of accountants via software; comparable bundled software-plus-accountant model but broader in target market and at an earlier scale stage.

Regional players

• Parasol Group: UK umbrella company and contractor services provider competing for the same freelancer/contractor cohort; adjacent competitor rather than an accountant, but operates in the same off-payroll ecosystem inniAccounts campaigns against (e.g. via FairScore).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/inniaccounts
• YouTubeyoutube.com/user/inniAccounts
• Facebookfacebook.com/inniaccounts
• LinkedInlinkedin.com/company/inniaccounts

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

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 inniAccounts