1
Log your income
Add income from every client as you go, with the hours and pay for each.
For the UK self-employed
Know what you'll owe and what's really yours
Log your jobs and costs as you go. Xelo works out your take-home, your tax bill and what to put aside each month.
UK tax rules, built in
£12,570Tax-free, taken off for you
20% · 6%Income tax and NI together
31 Jan · 31 JulFlagged before they're due
Tax
Know your tax bill months before it's due
Xelo turns your profit into a running tax estimate. See what you owe so far, what to set aside each month, and when each payment is due.
Step by step
See how your profit becomes a tax bill, with income tax and NI split out.
One figure to set aside
Move it into savings each month and January stops being a shock.
January and July
Payments on account included, plus a countdown to the next one due.
How it works
Log it once. Xelo does the maths
Add your income and expenses as you go.
Your take-home and tax update on their own.
2
Add your expenses
Work costs like fuel and kit, plus personal spending. One-offs or repeating.
3
See what's yours
Your take-home after expenses and tax, for this month or the whole tax year.
Insights
Every client, every month
See who pays you most, how your earnings change, and where your money goes.
Privacy
Your data stays yours
Here's exactly where your figures live and what happens to them.
Stored in London
Your account and entries live on servers in London, UK, run by our database provider.
No bank login
You type in your own figures, so Xelo never connects to your bank or sees your account.
Never sold
No ads, ever. Your data is never sold, rented or shared with anyone for their marketing.
Delete any time
Delete your account in Settings and your data is removed from our database straight away.
Backed up
Your data is backed up in encrypted form, and each backup is deleted for good after 90 days.
Estimates, not advice
Xelo is a tool to plan with, not tax advice. Always check your figures before you file.
Questions
Who is Xelo for?
Anyone self-employed in the UK: couriers, carers, drivers, creators, and anyone earning from more than one client.
How do I join the beta?
Tap "Join the beta". On iPhone you'll join through Apple's TestFlight app, and on Android through Google Play testing.
Is Xelo free during the beta?
Yes, Xelo is free for the whole beta. We'll let you know before anything changes.
How accurate are the tax figures?
As accurate as what you log. Xelo uses England, Wales and NI rates, but it can't know about every situation, like other income or reliefs. Treat it as a guide and check your figures before you file.
Do I need to register as self-employed first?
No, you can start tracking from day one. HMRC needs you registered once your self-employed income goes over £1,000 in a tax year.
Does it file my tax return?
No. Xelo doesn't connect to HMRC. It gives you the figures for your Self Assessment, and you can export your data for your accountant.
Does it include student loan repayments?
Yes. Add your student loan plan and Xelo includes the repayment in your tax breakdown.
What if I also have a job with a salary?
Add your salary and Xelo works out how much of your tax-free amount is left for your self-employed income.
I live in Scotland, does it work for me?
Scotland's income tax bands are different, and Xelo doesn't use them yet. Everything else works the same.
Be one of the first to try Xelo
It's in testing now on iPhone and Android. Join the beta and try it free.
Join the betaComing to the App Store and Google Play.
