For accountancy practices in the United Kingdom
Bank statement in. Final accounts out. Client after client.
Every client’s PDF bank statement read into a coded ledger, and from that one set of figures the statutory accounts with the depreciation FRS 102 asks for, the nine-box VAT figures, the capital allowances and the corporation tax or self assessment computation — with the client’s payroll in the same books and a register that works out every deadline.
✓ The first month is free. A practice runs in Chrome, Edge, Brave or Vivaldi on a computer.
The work that matters most
From bank statement to final accounts
Read, and proved.
A client’s PDF or CSV statement arrives on a posting screen with dates, narration and amounts separated. Where a PDF statement prints a running balance, every row is proved against it, and a row that will not prove is marked in red, so you look at that row and not at the other three hundred. A statement saved as Excel needs saving as CSV first.
Coded once.
Choose the head for each line, with the VAT rate and the reverse charge on the line where the decision is made. A head is suggested from the words in the narration and in the client’s remarks, and a suggestion is never posted without you. Email to client for remarks drafts an email with the coded statement attached, for the client to fill in the Remarks column, and Import client’s coded CSV shows every change it would make before anything is written. Export coded CSV gives you the statement with its coding and the net and VAT split, ready for Excel.
The accounts, drawn from the ledger.
Trial balance, profit and loss account, balance sheet and notes, in PDF and in Excel that keeps its formulas, so additions still work outside the app. The covering email to the client is written, with the statements attached, ready for you to send. Opening balances carry forward into the next year on their own.
It tells you before you sign.
A depreciation run is refused while the asset register disagrees with the opening ledger. A client’s file that another window or a sync client has changed underneath is not overwritten blind, and the previous generation of every file is kept beside it.
The statements
Statements the way the regulators want them
Companies House format, PDF and Excel
- Accounts in the format Companies House expects for a limited company, with the directors’ statements a small company’s balance sheet carries, and sole trader and partnership accounts
- PDF and Excel exports of every statement — the Excel keeps its formulas, so additions still work outside the app
- Writes the covering email to the client, with the statements attached, ready for you to send
- Depreciation computed on the basis FRS 102 asks for, with the capital allowances kept apart
Your clients’ books stay in your folder
Every client’s books are kept in a folder you choose on your own computer, and encrypted there once you set the practice password. A practice’s client books are not uploaded to us.
Statements in the format UK regulators expect
Companies House formats for limited companies and sole trader and partnership accounts, with the depreciation basis FRS 102 asks for behind them. The figures are prepared for you to file; nothing is submitted from here.
Tax and returns
VAT, capital allowances and the tax computation, from the same figures
A UK chart of accounts, the nine-box VAT return, capital allowances with the annual investment allowance and the pools, and the corporation tax or self assessment computation — each drawn from the ledger you coded, so nothing is keyed twice.
- The nine-box VAT return, with the transactions behind each box and the return due dates by stagger on the calendar
- Capital allowances: the annual investment allowance, the main and special rate pools, single asset pools for private use, balancing adjustments
- The corporation tax computation, with marginal relief and the payment and CT600 dates
- The self assessment computation for a sole trader or partner, with Class 4 National Insurance, dividends and the payments on account
- P&L for tax purposes: the adjustments to profit set out with the rule beside each one
Mini Accounts applies HMRC’s published rates and thresholds for the year. It is not recognised by HMRC for Making Tax Digital, and does not submit anything: you file through HMRC’s services from the figures it gives you.
Payroll
Your clients’ payroll, in the same books
Employees, pay runs and the year-end forms for each client, with the run posted into the client’s ledger as one journal — wages, employer’s National Insurance, pension contributions, and what is owed to HMRC, the pension scheme and the staff.
- Pay runs monthly, weekly, fortnightly or four-weekly, set on each employee’s record so a client can run a weekly payroll and a monthly one side by side; PAYE for the rest of the UK, Scotland and Wales; National Insurance by category letter, with directors on the annual or alternative method
- Student and postgraduate loan deductions, auto-enrolment pension contributions, statutory sick pay and statutory maternity pay, the Employment Allowance and small employers’ relief
- Payslips as one PDF, the P32 by tax month, P60s at the year end and a P45 for a leaver, for the 2026-27 and 2025-26 tax years
- The FPS figures for each run, for HMRC’s Basic PAYE Tools or your RTI software. Mini Accounts does not submit RTI and is not recognised by HMRC for it.
Running the practice
Not just the books — the clients, the dates and the letters
The half of the job that is not accounting at all: knowing who is where, what is due next, and getting the message out without writing it from scratch each time.
Clients
One register for the whole practice
Company number, UTR, VAT number, PAYE and Accounts Office references in the place the person doing the filing will look for them. Contacts with roles, entity type, year end, VAT stagger and payroll frequency. A job stage per client — from Chasing records through to Filed — with the fee, the assigned staff member and a dated note of every conversation.
The register holds names, references and dates only. No client figures are in it, so it can be opened without opening anybody’s books.
Deadlines
Dates worked out, not remembered
Every statutory date the practice is carrying, across every client, in one list sorted by date and split into Overdue and Coming up. Companies House accounts and the confirmation statement, the CT600 and the corporation tax payment, self assessment returns and payments on account, VAT by stagger, PAYE and National Insurance, the final FPS, P60s, P11D and Class 1A, and the pension re-declaration.
Each row shows the rule that produced the date, so it can be checked rather than believed — and any date can be overridden by hand where the facts differ.
Letters
The email written, ready for you to send
Templates for the engagement letter, accounts for approval, the tax computation, the VAT return, a request for records, a deadline reminder and the coded statement for remarks, filled in from the client record and the open workbook, down to the actual profit figure and the tax payable. Attachments are rebuilt fresh from the books as the draft is made.
It opens in your own mail program as a draft. Nothing is sent from here, and nothing leaves your computer until you press send yourself.
Documents and letters on your letterhead, your staff on the practice record, and each client’s anti-money-laundering identity check dated and flagged under the Money Laundering Regulations 2017.
Why practices switch
Hours building formulas, or minutes doing the work
Most year ends are still done in a spreadsheet that somebody rebuilds every year. It works — until a reference breaks and nobody notices until the balance sheet will not balance.
In a spreadsheet
- Retype the bank statement, or fight a converter that loses the narration.
- Rebuild the depreciation schedule each year and re-check every formula.
- Keep the book and tax bases apart by hand, in two more tabs.
- Find the difference in the trial balance the night before the deadline.
- Copy last year’s figures across and hope nothing was missed.
In Mini Accounts
- Import the PDF. Dates, narration and amounts arrive already separated.
- Depreciation is calculated automatically from the assets you add, and exports to Excel.
- Both bases are maintained side by side, because they always have to be.
- A statement row that does not agree with the bank’s running balance is marked in red.
- Opening balances carry forward on their own.
Nothing is migrated and nothing is thrown away — your existing files stay exactly where they are. Try it on one client’s year end and compare the time it takes.
What you get
What you get
Everything below is in the price, and one figure covers the whole practice however many clients it has. There are no add-ons and no per-client charge: the only choice is whether the plan includes payroll and CIS.
Bank statements in, ledger out
- Converts PDF bank statements to a coded ledger, and exports the coded statement to Excel or CSV
- Upload a bank statement and take out the financial statements and the tax computation, ready for you to file the return and the accounts
Invoicing, in each client’s books
An Invoicing group in every client’s menu: VAT invoices and credit notes for a VAT-registered client, carrying the VAT registration number, the time of supply and the net, VAT rate and VAT of each line, with a product list to price them from; plain invoices for a client that is not registered. Each one posts its entry as it is issued, so the output tax reaches the nine-box return with the transactions behind the box. In the price, not an add-on.
Payroll, posted to the books
Each client’s pay run in its own books: PAYE, National Insurance, student loans, pensions and statutory pay worked out, payslips printed, the P32 kept, and one journal posted. The figures are an illustration.
A business client’s cloud copy, opened by you
Cloud storage is the business edition’s, not the practice’s: a business client that turns it on keeps its books with us as ciphertext, encrypted on its own device under a key made from its password, and we hold no key that opens them. It can then give you access from its Data screen, and you open those live books through that grant, in your own sign-in, with nothing to upload. A practice’s client books are not stored this way; they stay in the practice’s folder.
It tells you before you sign
- A depreciation run is refused until the asset register agrees with the opening ledger
- The bank reconciliation ties the statement’s balance to the bank ledger on a date, and says why when the two disagree
- The arithmetic is never the thing that is wrong.
Your clients’ books never leave the building
Everything is encrypted in a folder on your own machine. A practice’s client books are not uploaded — a breach at our end exposes an email list, not one client’s ledger. Our servers hold your email, your mobile, your practice name and whether you have paid.
Two things to be clear about
It prepares; it does not file.
Mini Accounts produces the figures, the statements and the payroll reports. It is not recognised by HMRC for Making Tax Digital or for RTI, it does not submit iXBRL accounts to Companies House, and it is not connected with HMRC, Companies House or The Pensions Regulator. You file through whatever you file through today, from the figures this gives you.
A computer and a Chromium browser.
Chrome, Edge, Brave or Vivaldi. A practice keeps each client’s books in a folder, and Safari, Firefox and phone browsers cannot give a web page a folder to write to. A business keeping its own books has no such limit.
Developed by Kulwinder Singh, a chartered accountant of the Institute of Chartered Accountants of India, and built and used in a working practice. Who built it, and why →