ac-co.ai
HMRC-recognisedSign inStart a return
Always-on bookkeeping · reconciled to the penny

Clean books, magically on autopilot.

ac-co watches your bank feed and receipts and does the bookkeeping as money moves — every transaction categorised, every receipt matched, every account reconciled. Your books stay closing-ready all year, so every VAT, Self Assessment and Corporation Tax return is already prepared.

See auto-categorisation
No card · UK-only · learns your rules
BUILT FORSole tradersLimited companiesLandlordsContractorsSwitchers from spreadsheets
Live · click to watch
Wired into
Open Banking · every UK bankXero · two-way syncQuickBooks · two-way syncReceipts · inbox + photosStripe · payoutsHMRC · ready to file
0
transactions left uncategorised
every line sorted, automatically
0%
reconciled to your bank
to the penny, every day
0
lines sorted this month
while you did literally nothing
0
filings pre-filled from your books
VAT · SA100 · CT600 · ITSA · payroll
HOW IT WORKS

From connected to filed, in four moves.

01

Connect

Link your bank and forward your receipts. ac-co pulls every transaction in, read-only, in two minutes.

02

Categorise

Each transaction is coded to the right category and VAT treatment the moment it lands — learning your rules as it goes.

03

Match

Receipts and invoices are matched to payments automatically; anything missing is chased for you.

04

Reconcile

Every account is reconciled to the penny, so your books are closing-ready — and every return is pre-filled.

WATCH THE AUTOPILOT

Money moves, and the books keep themselves.

Watch transactions stream in and get categorised, matched and reconciled in real time — the four-step loop that runs all day, so your books are never behind.

01Import02Categorise03Match04Reconcile
AUTO-CATEGORISATION

Every transaction, coded the moment it lands.

ac-co reads the payee, amount and reference and assigns the right category and VAT treatment instantly — then learns from every correction, so the books get smarter the more you use them.

  • Category + VATThe right nominal code and VAT rate on every line, mapped to a UK GAAP chart of accounts and ready for the return.
  • Learns your rulesCorrect it once and ac-co remembers — split rules, recurring payees, the lot.
  • Personal vs businessSpots personal spend on a business card and flags it before it pollutes your books.
  • Splits & transfersMulti-category invoices split automatically; inter-account transfers never double-counted.
ac-co · books
Live ledger
autopilot on
Travis Perkins
Building materials
Materials20%
−£412.80
receipt ✓
Stripe
Card payout
Sales income20%
+£2,480.00
rule ✓
Shell
Fuel
Vehicle20%
−£78.40
auto ✓
Adobe
Creative Cloud
Software20%
−£51.99
receipt ✓
Costa Coffee
Card · contactless
⚑ Personal?
−£4.20
review
Acme Ltd
Invoice 1042
Sales income20%
+£3,600.00
receipt ✓
British Gas
Workshop energy
Premises5%
−£186.40
auto ✓
NEST
Pension
Payroll
−£310.00
rule ✓
Screwfix
Tools
Equipment20%
−£64.30
receipt ✓
HMRC
VAT Q3
VAT payment
−£1,240.00
rule ✓
Reconciled to bank642 categorised · 214 receipts matched
100%
RECEIPT MATCHING

Receipts, matched to payments — and chased.

Forward a receipt, snap a photo, or let us pull them from your inbox. ac-co matches each one to the right payment, reads the VAT, and politely chases the receipts that are still missing.

  • Inbox + photosEmail receipts and phone snaps read automatically — supplier, date, VAT and total.
  • Auto-matchedPaired to the payment by amount, date and supplier — no manual hunting.
  • VAT capturedReclaimable VAT pulled off every receipt so your VAT return is complete.
  • Missing-receipt chaseWe flag payments with no receipt and nudge you (or the team) to add them.
Receipts · matched
Travis Perkins
Building materials · VAT 20%
matched ✓−£412.80
Adobe
Creative Cloud · VAT 20%
matched ✓−£51.99
Acme Ltd
Invoice 1042 · VAT 20%
matched ✓+£3,600.00
Screwfix
Tools · VAT 20%
matched ✓−£64.30
RECONCILIATION

Always reconciled, always ready to file.

Because the books are reconciled to the penny every day, there's no year-end scramble. Everything is kept under UK GAAP — FRS 105 for micro-entities or FRS 102 (Section 1A) for small companies — so your VAT, Self Assessment, Corporation Tax and payroll returns are pre-filled from numbers you can trust.

  • Daily reconciliationBank balance tied to the books continuously — discrepancies surfaced the same day.
  • UK GAAP readyKept under FRS 105 or FRS 102 (Section 1A), correctly classified, so your statutory accounts and CT600 drop straight out.
  • A live health scoreSee at a glance how closing-ready your books are, and what's left to clear.
  • Feeds every filingThe same clean ledger pre-fills every ac-co return, with each figure traceable.
Books health
closing-ready
100%
reconciled to the penny, today
UK GAAP · FRS 102 / FRS 105
Reconciled to bank100%
Transactions categorised642
Receipts matched214
Uncategorised0
Needs review1
PRICING

Always-on books, one monthly price.

Simple monthly pricing. Start free, no card — cancel anytime.

Solo
Sole trader · 1 account
£9/ month

Always-on bookkeeping for one bank account. Categorised, matched and reconciled for you.

Start free
  • ✓1 bank account
  • ✓Auto-categorisation
  • ✓Receipt capture & match
  • ✓Daily reconciliation
  • ✓Pre-fills your Self Assessment
Business
Ltd companies & landlords
Most picked
£24/ month

Multiple accounts, rules and VAT — books that stay closing-ready and feed every ac-co return.

Start free
  • ✓Everything in Solo, plus:
  • ✓Unlimited bank accounts
  • ✓Custom rules & splits
  • ✓VAT-ready ledger
  • ✓Health score & alerts
  • ✓Pre-fills VAT, CT600 & payroll
Practice
Bookkeepers & accountants
Custom

For firms keeping many clients' books — a multi-client console, rules library and review queue.

Talk to us
  • ✓Multi-client console
  • ✓Shared rules library
  • ✓Review & approve queue
  • ✓Client receipt portals
  • ✓API + export
TRUST

We file in your name, so we hold ourselves to the highest bar.

ac-co is HMRC-recognised software submitting through the official API. Connections to your bank and books are read-only. Every figure traces to a source, and every receipt is stored for six years.

HMRC
filing-ready output
Open Banking
read-only access
UK GDPR
data resident in London
Data encrypted
at rest
Records kept
6 years, automatic
Human-in-loop
you review every category
FAQ

Questions people actually ask.

ac-co reads the payee, amount, reference and any matched receipt, and assigns the right category and VAT treatment from patterns across millions of UK transactions. It also learns your specific rules — correct something once and it remembers for next time.

You can recategorise any line in a tap, and ac-co learns from it. Anything it isn't confident about — or that looks personal — is flagged for a quick review rather than guessed silently.

You don't need them, but you can keep them. ac-co works as your books on its own, or syncs two-way with Xero and QuickBooks so the clean ledger flows into whatever you already use.

Forward them to your ac-co address, snap a photo in the app, or let us pull them from a connected inbox. We read the supplier, date, VAT and total, and match each one to the right payment automatically.

Your bank balance and your books agree every day, so there's no year-end catch-up. When a VAT or tax return is due, the numbers are already there and already trustworthy.

Yes. Bank connections are read-only through regulated Open Banking, your data stays in the UK and encrypted, and we never move your money. See trust below.

PUT YOUR BOOKS ON AUTOPILOT

Never do bookkeeping again.

Always-on · reconciled to the penny · pre-fills every ac-co return.

Free to start · most accounts fully categorised within a day
1