Accounting that behaves
like software.

One price per entity. Everything included. No feature gating. Ever.

Everything included

No tiers. No add-ons. No "contact sales for API access".

Core Accounting

Double-entry ledger (database-enforced)
UK chart of accounts (auto-provisioned)
Sales & purchase invoices (PDF generation)
Quotes with one-click invoice conversion
Bank CSV import (schema auto-detected, Smart Map overrides)
Auto-categorisation with auditable evidence
Contacts (customers & suppliers)
Opening balances with trial balance gate
Migration wizard (Xero, FreeAgent, QuickBooks)

Reports

Profit & Loss
Balance Sheet
General Ledger & Trial Balance
VAT returns (Box 1–9, MTD-compatible export)
Aged Debtors & Creditors
CSV export on every report

🇬🇧

UK Tax

VAT tracking (Standard, Reduced, Zero, Exempt)
Flat Rate Scheme support
Estimated Corporation Tax set-aside (19%/25% marginal rates)
Dividend wizard with board minutes & PDF vouchers
Director Loan Accounts with S455 exposure (33.75%) and BIK calculations (HMRC average method)
Year-end DLA snapshots & deadline tracking

Developer Tools

Full REST API (198 endpoints) on every plan
Built-in Developer Shell (Ctrl+J)
Scoped API keys (17 granular permissions)
Idempotency keys on mutations
Custom metadata (Stripe-style key-value)
Webhooks with delivery log & retry tracking
30-day API request log with drill-down
OmniSearch (Cmd+K) across all entities

Security

Row-Level Security on 25+ tables
Two-factor authentication (TOTP)
CSRF protection & per-endpoint rate limiting
Public bug tracker at /transparency
Privacy-first analytics (no Google, no Meta)
UK data residency (GCP London)
Monthly security reports (automated, public)

Data & Control

Full ledger export via API, CSV, or SQL
No bank lock-in, no proprietary formats
SQL, CSV & JSON export
Dashboard reads directly from the ledger — no delayed sync
Dark mode (semantic token system)
Email support

Your books, your API

API-first. GUI optional.

api.speybooks.com

$ curl https://api.speybooks.com/v1/invoices \
    -H "Authorization: Bearer sk_live_..."

{
  "data": [
    {
      "id":           "inv_2mK9xB",
      "number":       "INV-0042",
      "status":       "sent",
      "contact_id":   "cont_8nR3yT",
      "total":        120000,         // £1,200.00 in pence
      "currency":     "GBP",
      "issued_date":  "2026-02-05",
      "due_date":     "2026-03-07"
    }
  ],
  "meta": { "total": 156, "page": 1, "per_page": 20 }
}

Prefixed IDs · Minor units (pence) · Page-based pagination Read the API docs

Questions

What happens after the trial?

Your trial converts to a paid subscription at the end of the trial period. We'll email you 7 days before it ends. No surprise charges, and you can cancel anytime before conversion.

Can I switch between Sole Trader and Limited Company?

Yes, anytime. Your data and ledger stay intact. We'll prorate the difference automatically.

Do I need an accountant?

SpeyBooks gives you the tools to manage your own books. Many UK contractors handle day-to-day bookkeeping themselves. For year-end filing and tax advice, a qualified accountant is still recommended.

What about Making Tax Digital?

SpeyBooks generates MTD-compatible VAT return exports (Box 1–9). Direct HMRC submission for VAT and Self Assessment is actively in development — we're working through the HMRC recognition process now. You can export your VAT data to file via other MTD-compatible tools in the meantime.

Is there a long-term contract?

No. Monthly billing, cancel anytime. No exit fees. Export your entire ledger whenever you want via API, CSV, or SQL. Your data is yours.

Where is my data stored?

UK only. Google Cloud Platform, London region. PostgreSQL database with AES-256 encryption at rest and TLS 1.3 in transit. See our Security page for full details.

On the roadmap

MTD VAT filing (HMRC recognition in progress) Self Assessment filing CLI tools (brew install spey) Multi-currency Payroll integration

Accounting that behaveslike software.