BahiKhata
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How it works

How BahiKhata works

Three steps from bank statement to filed VAT return.

Try it with sample data →
Step 01

Connect your data

Drop your bank statement, forward a receipt photo via WhatsApp, or upload an HMRC letter.

  • CSV / PDF / multi-file bulk upload
  • WhatsApp receipt forward (text photo, BahiKhata files it)
  • HMRC letter OCR + plain-English explanation
  • Capital on Tap and other credit cards as separate ledgers
📂 statement.csv  ✓ uploaded · 78 transactions
Step 02

BahiKhata classifies & flags

Our AI auto-categorises every transaction and applies UK VAT rules. You see what's confident vs what needs a 5-second review.

  • UK supplier knowledge base (Uber, NEST, Shopify Dublin etc. pre-classified)
  • Bank rules engine for repeat patterns
  • Per-transaction VAT layer with confidence tiers (🟢 auto-applied · 🟡 review suggested · 🔴 approval needed)
  • Smart duplicate detection
  • Auto-suggest VAT for missing rows in one click
STRIPE PAYMENTS UK LTD     +£1,247.50  sales_standard_vat   🟢 auto
CASH N CARRY DPC           -£3,000.00  cost_of_sales_food   🟢 auto
UNKNOWN PAYMENT REF Z123   +£540.00    ?                    🔴 needs you
Step 03

Review & file

Review the deltas, finalise, file. BahiKhata generates VAT 9-box, payslips, year-end pack — your accountant signs off in minutes not days.

  • VAT return v2 with exact 9-box from per-transaction VAT
  • Auto-draft at quarter-end with email reminder
  • Year-end pack: P&L, Balance Sheet, FRS 105, payroll YTD, dividend history — one printable bundle
  • Books-closed period lock + Postgres-trigger audit log for compliance
VAT Return — Q1 2026         (preview)
─────────────────────────────────────────────
Box 1  VAT due on sales              £4,218.30
Box 2  VAT due on EC acquisitions       £0.00
Box 3  Total VAT due                  £4,218.30
Box 4  VAT reclaimed on purchases     £1,506.72
Box 5  Net VAT to pay HMRC            £2,711.58
Box 6  Total sales ex-VAT            £21,091.50
Box 7  Total purchases ex-VAT         £7,533.60
Box 8  EC supplies of goods               £0.00
Box 9  EC acquisitions of goods           £0.00
─────────────────────────────────────────────
Status: draft · Ready for your review

Behind the scenes

What happens behind the scenes

  • We use Anthropic's Claude for OCR + reasoning, but the math (PAYE / NI / VAT 9-box / Corp Tax / FRS 105) is deterministic UK tax code in our libraries — not AI guesses.
  • Per-transaction VAT confidence is surfaced. Every change is logged to a Postgres-trigger-driven audit table. Period locks prevent retroactive edits after filing.
  • Built on Next.js 16 + Supabase eu-west-2 (London) — your data stays in the UK.

FAQ

Common questions

Do I need to know accounting?
No — BahiKhata writes plain English (or Punjabi/Urdu) explanations.
Do I still need an accountant?
Maybe for sign-off and filings; BahiKhata gives them year-end pack in one click. Many small Ltd directors won't need one.
What about HMRC submission?
VAT MTD direct submission is on the roadmap (we need HMRC agent registration first). Today you copy the 9 boxes into the HMRC portal.
What if it gets a transaction wrong?
You see the confidence per row. Medium and low get flagged for your review.
Can I switch from my current accounting software?
Yes — bulk-import your bank statements + opening balances; everything from there is BahiKhata.
Is my data safe?
UK-hosted (Supabase London), Postgres RLS isolation per company, audit log on every change.

Ready? Try the demo — no signup needed.

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