Stay tax compliant. Pay less tax.
Compliance as a Service for UK Ltd contractors — we keep your filings right and find every allowance the law allows, with a qualified accountant checking the work. The IR35 Hub is free today — the rest opens to the waitlist in stages.
10 questions, no card, no login. Reading the contract itself is a paid extra.
Said up front: Nebula Finance runs on AI, and we are not authorised or regulated by the FCA. What you get is an automated review of your own figures — not regulated financial advice. A named, qualified accountant signs off every filing and figure we produce for you. The free IR35 Hub is automated end to end — it tells you how sure it is, and when to get a specialist.
Your company made £92,000 profit this year. Here's the tax on it.
Due 1 January 2027. We'll remind you in good time.
Two things you could do before your year end, and what each one saves.
Both allowed outright. Nothing happens until you say yes.
You took £12,570 salary and £40,000 dividends. Here's your own tax bill.
Due 31 January 2027, with a payment on account in July.
A working example only — not a real client, and not your figures.
Tap any rule to see the arithmetic behind it.
What you save · how · why it's right
Worth it — and you can check it.
We work out your number, from your own figures.
Every allowance you're entitled to — plain, legal and standard, never a scheme.
Worked out from the tax rules, then checked a second way. The AI never writes a number →
† An estimate on 2025 to 2026 rates, not an audited average — £12,570 salary plus dividends, versus all-PAYE. Yours will differ.
What makes us different
Every fintech says AI. Ours isn't allowed to make up a number.
Ask most AI finance tools for a figure and you get whatever the model says. Ours can't do that. Every number comes from the tax rules themselves — and anything the AI states that the rules didn't produce is stripped out before it reaches you.
- ✓Reads your bank, your books and your contracts
- ✓Writes the explanation in plain English
- ✓Flags what needs your attention, and when
- ✕Invent, estimate or guess a figure
- ✕Sign off its own work
- ✕File or pay anything on your behalf
Why it matters: a wrong number on a tax return is your liability, not the software's. So we built it the other way round — the rules do the arithmetic, the AI does the talking, and a qualified accountant signs off before anything leaves.
Where we are
One part is open. The rest is close behind.
Open today: the IR35 Hub and the take-home calculator. The tax engine, Corporation Tax, VAT and the month-to-month bookkeeping are in build; payroll, R&D claims and filing straight to HMRC come after that.
The IR35 Hub
Answer 10 questions and see whether you're inside or outside IR35, and why.
Open the Hub → LiveTake-home calculator
Put in your day rate and see what you'd actually keep through a limited company.
Work it out → DemoA worked assessment
One contract assessed end to end, with the reasoning behind every factor.
See the example → DemoProduct tour
Look around the app before it opens — the screens, and what each one does.
Take the tour → GuidesGuides for directors
IR35, dividends, what to set aside and when it's due — in plain English.
Read the guides → SoonFor SMEs and growing teams
We're extending the same engine beyond contractors. Not open yet — register and we'll tell you the day it is.
Register your interest → SoonFor early-stage startups
R&D relief, SEIS/EIS, EMI options and runway. Not open yet — register and we'll tell you the day it is.
Register your interest →Live now
The IR35 Hub is open. Start there.
Answer 10 questions and see whether you're inside or outside IR35, with the reason for each factor. It's free, with no account. If you need the contract itself read, and a signed assessment to show a client, that's the paid full report.
Who's behind it
People you can put a name to.
Run by an accountant
Founded and led by Hiep Do, FCCA, a chartered certified accountant with ten years in UK accounting. The IR35 letter that started it.
We stay in our lane
Insurance and protection go to Broadbench, an FCA-regulated partner — we don't give advice we aren't authorised to give.
Your money stays yours
Bank feeds, when they open, come through an FCA-authorised provider, read-only, so no one here can move your money. Nothing is filed or paid without your approval.
For accountants and bookkeepers
If you do this for a living, read this bit.
We are not trying to take your clients off you. The engine does the arithmetic and shows its workings; the judgment, the sign-off and the relationship stay with a qualified human.
It works alongside your accountant
Every figure arrives with the rule it came from and the arithmetic behind it, so your accountant can check it in minutes rather than rebuild it. Nothing is filed or paid without a human approving it first.
White-label is on the roadmap
The same engine, under your own name, doing the compute-heavy work your juniors do now. It is not open yet — but we would rather design it with practices than at them.
Talk to us →The waitlist
Be there when we open.
First access as each part opens, at the launch price — which we intend to set below the £80–£200 a month contractor accountants typically charge.