Finance OS for solopreneurs

The all-in-one finance OS for solopreneurs.

Banking, invoicing, bookkeeping and tax — built for UK & US freelancers. Everything you need to run the money side of your business, in one calm place.

No card required UK & US tax built in Cancel anytime
The Sofinos dashboard showing income forecast, tax pot, cash runway and monthly income trend

Works with the tools you already use

StripeWisePayPalXeroRevolut

Designed to save your time, money and mental space.

One place for every part of your finances — so you can get back to the work you actually love.

Business banking

Connect your accounts and see every transaction, balance and cash position in real time.

Invoicing & payments

Send branded invoices and quotes, set up retainers and track who has paid at a glance.

Bookkeeping

Transactions categorised automatically, with a review queue that keeps your books clean.

Tax management

Your tax pot updates as you earn, at your real marginal rate — no year-end surprises.

Cash flow forecasting

See income projections, runway and payment speed so you always know what is coming.

Insights & reports

Profit & loss, tax return boxes and year-end close — export ready in a couple of clicks.

Built for compliance. UK & US.

Sofinos speaks both tax systems natively — the rules are baked in, not bolted on.

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United Kingdom

  • Income tax + Class 4 NIC, England/Wales/NI and Scotland bands
  • Making Tax Digital (MTD) readiness & cumulative tracking
  • SA103 self-assessment boxes and VAT threshold radar
  • Student loan plans and automatic tax pot
🇺🇸

United States

  • Self-employment tax, federal income tax and QBI deduction
  • Quarterly estimated tax and safe-harbor guidance
  • Schedule C line mapping and 1099 dashboards
  • State-aware calculations and reporting

Free tax calculators

Try the same tax engine that powers Sofinos — no sign-up required.

UK self-employment tax

Income tax + Class 4 NIC from your annual profit, using 2025/26 rates.

Calculate →

US self-employment tax

SE tax + income tax + QBI deduction from your net profit, using 2025 rates.

Calculate →

UK tax pot

How much of your next payment to set aside, at your real marginal rate.

Calculate →

Effective hourly rate

Your real hourly rate — income divided by the hours you actually worked.

Calculate →

UK VAT threshold

How close your rolling 12-month turnover is to the £90,000 VAT threshold.

Check →

UK student loan

Estimate your annual student loan repayment by plan, from your income.

Calculate →

Real people. Real results.

Freelancers and solo founders use Sofinos to stay on top of the money side.

★★★★★

“I finally know exactly how much tax to set aside every time I get paid. No more January panic.”

EMEmma M.Freelance designer, London
★★★★★

“Invoices, expenses and my Schedule C in one place. It replaced three separate tools for me.”

DRDavid R.Consultant, Austin TX
★★★★★

“The cash flow forecast is scarily accurate. I can see my runway months ahead now.”

SKSarah K.Solo founder, Manchester

Ready to take control of your finances?

Join solopreneurs running their whole money stack on Sofinos.