About
Pie is a CIMA-approved, FCA-regulated personal tax management app built specifically for the UK market. It combines real-time tax tracking, automated bookkeeping, and direct HMRC Self Assessment submission into a single easy-to-use platform — all for free. Rather than waiting until the end of the tax year to discover what you owe, Pie updates your tax figure in real time as your income and expenses change. The app supports multiple income streams, automatically importing and categorising bank feeds with a smart-match feature that reconciles recurring transactions. Industry-specific Tax Assistants provide tailored guidance for builders, delivery drivers, landlords, crypto traders, chefs, taxi drivers, and more. Pie is fully prepared for Making Tax Digital (MTD), the UK government's 2026 mandate requiring businesses and landlords to submit digital transaction records. Users can also access a comprehensive suite of tax calculators covering income tax, capital gains, rental income, Uber/Bolt earnings, Etsy sales, and interest. Rated 4.9 Excellent by customers, Pie is reported to save users an average of £822 per year compared to using QuickBooks plus an accountant. Whether you are a high earner managing complex finances or a sole trader filing for the first time, Pie makes tax straightforward, stress-free, and affordable.
Key Features
- Real-Time Tax Figures: Your tax liability is calculated and updated in real time as income and expenses are added, eliminating year-end surprises.
- Automated Bookkeeping: Connects to your bank feeds, automatically imports transactions, and categorises them. Smart-match reconciles recurring transactions instantly.
- Free HMRC Self Assessment Submission: Submit your Self Assessment tax return directly to HMRC from within the app at no cost, simplifying the entire filing process.
- Industry-Specific Tax Assistants: Specialist AI tax assistants tailored for builders, landlords, freelancers, delivery drivers, crypto traders, chefs, and more provide real-time guidance.
- Making Tax Digital (MTD) Ready: Fully prepared for the UK's 2026 MTD mandate, allowing businesses and landlords to submit digital transaction data compliantly.
Use Cases
- A freelance web developer tracking multiple client income streams and submitting their annual Self Assessment return to HMRC for free.
- A buy-to-let landlord automating rental income bookkeeping and preparing for the Making Tax Digital transition in 2026.
- A delivery driver or courier (Uber Eats, Deliveroo) calculating self-employed tax obligations in real time using sector-specific tax assistants.
- A crypto trader reconciling gains and losses across platforms and understanding capital gains tax liability throughout the year.
- A high earner (£100k+) managing complex income sources, child benefit tax charges, and personal allowance tapering with bespoke in-app advice.
Pros
- Free Core Functionality: Self Assessment submission to HMRC is completely free, making professional-grade tax management accessible to everyone.
- Significant Cost Savings: Users save an average of £822 per year compared to using QuickBooks combined with a traditional accountant.
- Sector-Specific Guidance: Dedicated tax assistants for over a dozen professions ensure advice is relevant and targeted rather than generic.
- CIMA Approved & FCA Regulated: Full regulatory credibility provides users with confidence that the platform meets professional financial standards.
Cons
- UK Only: Pie is built exclusively for the UK tax system (HMRC, Self Assessment), making it unsuitable for users outside the UK.
- Freemium Limitations: Advanced features and premium advice may require a paid plan; the full feature set is not available on the free tier.
- Limited Business Accounting: Pie is focused on personal and self-employed tax rather than full double-entry business accounting, which may not suit larger organisations.
Frequently Asked Questions
Is Pie Tax really free to use?
Yes, submitting your Self Assessment tax return to HMRC is completely free with Pie. Some advanced bookkeeping and advisory features may require a paid plan.
Who is Pie Tax designed for?
Pie is designed for UK self-employed individuals, freelancers, sole traders, landlords, delivery drivers, high earners, crypto traders, and anyone required to file a Self Assessment tax return.
How does real-time tax tracking work?
Pie connects to your income sources and bank feeds, continuously recalculating your tax liability as new transactions come in, so you always know what you owe.
Is Pie Tax ready for Making Tax Digital (MTD)?
Yes. Pie is fully prepared for the UK government's MTD mandate launching in 2026, which requires businesses and landlords to submit digital transaction records quarterly.
Is Pie Tax regulated and trustworthy?
Yes. Pie is CIMA approved and regulated by the Financial Conduct Authority (FCA), and has a 4.9 Excellent rating from its customer base.
