Real-time tax visibility for the UK self-employed. Connect your bank, and CityFiscal organises your income, expenses, and estimated tax liability, live throughout the year.
No spreadsheets. No surprises. No January panic.
Powered by the infrastructure behind modern UK fintech
Inside CityFiscal
Early preview · private beta opens October 2026
What CityFiscal does
Your estimated tax liability updates as money moves through your account. Not once a year when it's too late to act.
Transactions categorised to HMRC standards. Quarterly summaries ready when you need them.
Know exactly where you stand against the £85,000 threshold, with a warning before you get close.
Every business transaction is checked against HMRC categories as it comes in, so allowable expenses get surfaced and quantified, not missed.
Read-only open banking. We can never move your money. We only read your transaction history to categorise it.
Built for Making Tax Digital · Secure UK bank connections · Designed for sole traders and freelancers
How it works
Step 01
Authorise a read-only connection to your UK bank account through secure open banking. Takes under two minutes. We never see your login credentials.
Bank-level securityStep 02
Your transactions are automatically categorised against HMRC's 19 tax categories. Income separated from expenses. Deductions identified. No spreadsheet required.
Automated categorisationStep 03
Your dashboard shows gross income, net profit, estimated tax liability, and VAT threshold. Live, at all times. No surprises. No January panic. Just clarity.
Real-time visibilityWhy now
HMRC's Making Tax Digital for Income Tax replaces the annual Self Assessment return with quarterly digital submissions. It is not optional. It is not distant. And most self-employed people are not prepared for it.
CityFiscal is built for this transition. Real-time tax visibility, proactive alerts, and MTD-ready exports throughout the year, not just in January.
MTD for Income Tax begins
Sole traders and landlords above the initial income threshold must submit quarterly digital returns to HMRC.
Threshold drops further
The next wave brings in hundreds of thousands more sole traders and freelancers as the income threshold decreases.
Full rollout
MTD will eventually cover most of the UK's self-employed workforce. The question is whether you'll be ready when it reaches you.
Built in London for the UK's self-employed
Private beta begins October 2026. Leave your details and we'll be in touch before public launch, with early access and founding-member details.
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No spam. No sales calls. Just an update when we're ready.
We'll reach out before launch with early-access details. Keep an eye on your inbox.