BahiKhata for UK small businesses
Your accountant at home — 24/7.
Stay on top of bookkeeping, VAT, payroll, HMRC letters, invoices, and deadlines — without needing accounting knowledge. Designed for UK business owners, not accountants.
From £19/mo per company. Try with sample data — no signup. Plus 15 free UK calculators anyone can use.
Free · Instant
Check a company name
Real-time lookup against the Companies House register. Find out in seconds if your name is free.
Check now →Guided · 7 steps
Start a Limited Company
We walk you through every decision Companies House asks about, then send you to gov.uk to file for £50.
Start the wizard →Already incorporated
Import from Companies House
Paste your company number — we pull year-end, deadlines, officers, and registered office automatically.
Import →01 · Bookkeeping
Bookkeeping that runs itself.
Drag in a bank statement. Forward a receipt on WhatsApp. BahiKhata reads it, classifies it, and posts it to the right account — in seconds.
- Bank statement import — CSV, PDF, and bulk multi-upload
- AI auto-categorisation, confidence-scored
- UK supplier knowledge base — Uber, NEST, Shopify, EE pre-classified
- Bank rules engine for your custom patterns
- Receipts via WhatsApp or photo, OCR'd on the spot
- Credit card statements as a separate ledger that reconciles to bank
- Smart duplicate detection across statements and uploads
- Auto-categorise on cron — comes back categorised in the morning
02 · VAT & HMRC
VAT and HMRC, handled.
Per-transaction VAT with confidence tiers. A 9-box return that comes out of your books, not a spreadsheet. HMRC letters read for you and a reply drafted.
- Per-transaction VAT layer with confidence tiers
- Auto-suggested rate based on customer or supplier country
- Master ledger with inline VAT controls
- VAT 9-box return computed exactly from per-transaction VAT
- Auto-drafted VAT return at quarter-end with email reminder
- HMRC letter OCR + AI-drafted reply in plain English
- Deadline reminders at 14 days, 7 days, 3 days, and overdue
- Plain-English explanation of what HMRC actually wants
03 · Payroll
Payroll, done right.
Add an employee with their full HMRC details. BahiKhata calculates PAYE, NI, pension, sick pay, and holidays — to the penny. Director-as-employee linked automatically.
- UK 2025-26 PAYE + Class 1 NI auto-calc
- Pension auto-enrolment with scheme management
- Payslips with YTD totals + P60 generation
- Monthly HMRC PAYE bill with Employment Allowance offset
- Statutory holiday + Statutory Sick Pay tracking
- Director-as-employee auto-link to the company you direct
- Employees with full HMRC details — NI category, tax code, student loan, P45, BACS
04 · Invoicing & cashflow
Invoicing and cashflow, in one place.
Quotes that turn into invoices. Customer and supplier ledgers that age themselves. Recurring expenses that post on cron. Bank reconciliation that auto-matches.
- Multi-line invoices with VAT auto-applied
- Quotes that convert to invoices in one click
- Email invoices via Resend, branded with your logo
- Customer + supplier ledgers with 30/60/90 aging
- Customer + supplier master records, deduplicated
- Recurring expenses (rent, subscriptions) auto-posted on cron
- Bank reconciliation with an auto-matcher
- PDF invoices, payable links, payment tracking
05 · Director intelligence
Built for directors who run more than one company.
Switch between companies in one click. See your personal income across all of them. Get warned about S455 director-loan tax before it bites. Ask BahiKhata anything from any page.
- Multi-company switcher — every company you direct, one login
- Director cross-company personal income view
- Self-Assessment estimator that uses your real numbers
- S455 director-loan tax warning before year-end
- Smart Accountant insights — VAT threshold, salary/dividend, year-end planning
- Health score 0-100 across bookkeeping, VAT, payroll, deadlines
- Setup checklist + onboarding wizard + accountant reconciliation
- Floating Ask BahiKhata chat on every page
06 · AI Personal CFO
Tax-saving advice that comes with a button.
Most accounting tools tell you what happened. BahiKhata tells you what to do — and gives you one click to do it. Year-end pension contributions. Equipment-buying decisions. Salary top-ups. Dividend timing.
- 10 UK 2025-26 tax-saving rules running on a daily cron
- Top up salary to your personal allowance, save corp tax
- Year-end pension contribution recommended with exact saving
- AIA equipment purchases timed before year-end
- Dividend declarations sized to keep you under higher-rate
- S455 director-loan repay reminders before the 9-month clock
- FRS scheme switch suggested when standard scheme costs more
- Each recommendation comes with a 'Take action' button — not just words
07 · Cash flow that sees forward
Predict, don't just record.
Most software shows you what happened last month. BahiKhata projects 30, 60, 90 days forward — using your scheduled invoices, recurring expenses, payroll, HMRC deadlines, and historical spend by category. Get warned 14 days before you'd otherwise breach zero.
- 30/60/90-day cash projection with daily timeline
- Detected anomalies — fuel doubled, missed direct debit, new supplier
- Recommendations: chase invoice X · defer purchase Y · talk to bank
- Email alerts when breach is < 14 days away
- Lowest-point callout: 'On 14 March you'll be at -£2,310'
- Daily refresh on cron, no manual button
08 · Industry-specific packs
We know your business — not generic accounting.
Generic accounting tools assume you sell widgets. BahiKhata has dedicated packs for the businesses our founder runs and operates in: takeaways, couriers, retail. Each pack speaks the language of that industry — Z-readings, CIS subcontractors, lottery commission.
- Takeaway pack — food cost %, tip jar, menu pricing, Just Eat / Deliveroo / Uber settlements
- Courier pack — CIS 20%/30% subcontractor deductions, driver mileage, platform payouts
- Retail pack — lottery and PayPoint commission (correctly VAT-exempt), tobacco margin, stock counts
- Each pack auto-classifies common transactions for that vertical
- Reports tailored: e.g. food cost % traffic light for takeaways
- Tradesmen pack on the roadmap (CIS for construction, job costing)
Compliance you can trust
Real audit trail. Real period locks. Real statutory accounts.
Compliance is not a sticker on a marketing site. It is plumbing. BahiKhata has the plumbing — and shows you the receipts.
- Books-closed period lock — once filed, no retroactive edits
- Audit log via Postgres triggers — who changed what, when
- FRS 105 micro-entity statutory accounts (year-end filing)
- Year-end pack one-click for accountant handover
- VAT 9-box return computed exactly from per-transaction VAT
- Auto-draft VAT return at quarter-end with email reminder
Calculators
15 calculators a senior CA uses by reflex.
Decisions a small-business owner agonises over — should I take salary or dividend, can I afford this van, what will Self-Assessment cost — answered in one tap. No spreadsheet. No accountant phone call.
- Take-home (gross → net + effective rate)
- Salary vs Dividend optimiser
- Self-Assessment estimator
- Corporation Tax with marginal relief
- AIA / Equipment buying decision
- VAT (gross↔net 20% / 5% / 0%)
- Pricing (cost + margin → sell price)
- Markup ↔ Margin
- Break-even
- Loan repayment
- Mileage (45p / 25p)
- SMP / SPP
- Statutory redundancy
- CGT + BADR
- Director loan S455
Multi-company
Run 1 takeaway? Run 5 companies? Same dashboard.
BahiKhata is uniquely designed for multi-company directors. Most tools make you log out and log back in for each entity — we don't.
Sifat the founder runs 5 companies — DesiCrave, Freshoneed, Pepper & Crust, XEagle Couriers, and Sifotech. Until BahiKhata, that meant 5 separate accounting-software subscriptions, 5 logins, and 5 Self-Assessment spreadsheets glued together at year-end. Now it's one dashboard, one VAT view, one Self-Assessment summary.
- One login, every company you direct
- Cross-company personal income view for Self-Assessment
- Per-company books, locked and audited separately
- One Ask BahiKhata that knows the books of all of them
Honest comparison
BahiKhata vs other UK accounting software.
We are good at some things they are not. They are good at some things we are not — yet. Here is the truth.
Where BahiKhata is better
| Feature | BahiKhata | Other UK software |
|---|---|---|
| Receipts via WhatsApp | Yes — forward + reply | No |
| Multilingual advisor (Punjabi, Urdu, Hindi, English) | Yes — Ask BahiKhata | English only |
| Multi-company director view | Native, one login | Separate accounts |
| AI HMRC letter reading | OCR + drafted reply | No |
| Per-company £/month pricing | From £19/mo | £15-£40/mo per entity |
Where they are still ahead
| Feature | BahiKhata | Other UK software |
|---|---|---|
| App Store / Play Store mobile app | PWA only — for now | Native iOS + Android |
| Stripe / Shopify UI plugin | API-side import | Native UI plugin |
| Open Banking live feed | Statement import | Live feed |
| Marketplace of accountants | Bring your own | Built-in directory |
Pricing
From £19/mo per company.
Try it free. No card needed to start. Cancel any time. One price per company — multi-company directors get a portfolio rate.
£19/ month / company · 14-day free trial
See pricingGet started in 5 minutes.
Sign up, connect a company, drag in last month's bank statement. We do the rest while you make a cup of tea.
Built by Sifotech in the UK.