Problem solved

Most sole traders wait until the year-end to organise expenses, but memories of purchase context fade quickly and HMRC guidance can be ambiguous. Windfall solves this by moving expense tracking to the moment of purchase: AI reads and classifies receipts, shows HMRC-based reasoning for each claim, and builds a complete, categorised year-end record that can be exported for self-assessment or shared with an accountant.

Use cases

• Photograph a business receipt immediately after purchase and have vendor, amount, and date extracted automatically
• Determine whether an expense is allowable under HMRC rules for the user's trade or profession
• Track allowable expenses such as use of home as office, business mileage, professional subscriptions, training, and pension contributions
• Maintain a complete, category-organised expense record throughout the tax year without manual bookkeeping
• Export expense records for an accountant or for filing a self-assessment tax return
• Generate Making Tax Digital (MTD) quarterly summaries

Audience

• Business Users

Pros

• AI reads receipt details automatically, removing manual entry
• Every classification is grounded in HMRC guidance and explains its reasoning
• Designed around the point of purchase, preserving context and confidence
• Creates an exportable, year-end record ready for accountant or self-assessment
• Offers a 30-day free trial with no credit card required

Cons

• Targeted only at UK sole traders using HMRC rules
• No permanent free tier; requires a paid subscription after trial
• AI classification may still require user confirmation or adjustment
• Pricing is recurring (£59/year or £6.99/month), which may be a barrier for casual users