Xero

Xero

Xero is the accounting software that most UK accountants quietly recommend when a client asks “what should I actually use?” — because it’s the version of business finance that works properly, connects to everything, and gives your accountant something to actually work with when the tax return comes around.

For sole traders, that means invoices sent from your phone, expenses tracked automatically from bank transactions, VAT handled cleanly (if you’re registered), and Self Assessment prep that doesn’t involve a January panic. It also integrates with hundreds of other business tools — bank accounts, payment processors, time trackers, receipt scanners — so the whole stack talks to itself.

The Club member deal is genuinely one of the strongest software offers in UK business right now: 90% off Xero for your first six months. That’s roughly £1.60 a month during the discount period, on software that would normally be around £16 a month. You’re saving roughly £90 over the introductory period alone.

Worth being honest: Xero is more capable than most sole traders strictly need in year one. If you’re just starting out and want the simplest possible setup, Coconut is on the platform too — a lighter, calmer alternative. But if you’re building something you plan to grow (or think you might go limited later), Xero is where most people end up eventually. Starting on it at £1.60/month means you don’t have to migrate later.

Best for: Sole traders who want proper accounting software from day one — either because they’re already established, growing quickly, or thinking about becoming a limited company down the line.

The deal: Exclusive to The Self Employed Club — 90% off Xero for your first 6 months. That’s around £1.60 a month during the introductory period.

Offer available to new Xero subscribers only. Price reverts to standard rate after 6 months.