your money-savvy mate, on staff.
Freddie won't file your taxes. He'll stop you panicking about them. Always-on UK tax knowledge, live GOV.UK lookups, and the killer bit: he drafts the emails to your accountant — and Jess sends them from your inbox.
Saby
Six tools. One goal: less tax panic.
Not a ChatGPT wrapper with a finance prompt. Freddie has 14 real tools built on live GOV.UK + HMRC data. He looks things up; he doesn't make things up.
He doesn't file. That's the point.
Freddie is a non-filing advisor — zero HMRC submissions. No Veryfi-style OCR for real filing, no MTD ITSA/VAT/CT600, no DLA tricks. He advises; your accountant files. It's a cleaner division of labour — and keeps Freddie regulator-light.
14 tools. Zero made-up tax law.
Freddie isn't a general AI with a finance prompt. He's plugged into GOV.UK, HMRC, and Companies House with 14 tools that return real data — then he explains it in English, not statute-speak.
Live tax rates
Income Tax bands, CT rates, NIC thresholds, VAT rates. Always the current numbers, never the 2022 set that sound plausible enough to copy-paste.
Allowable expenses
What can a Ltd company actually claim? Home office, mileage, subscriptions, client meals. Freddie knows the rules and the gotchas.
Payment reminders
CT payment due? Self Assessment deadline creeping up? Freddie tells Jess to remind you — no surprises, no late-filing penalties.
Companies House lookups
Search any UK company, pull officers, filings, accounts history. Useful for clients, suppliers, due diligence, or just sanity-checking.
Tax tips library
Pension contributions, dividend vs salary splits, R&D basics, EIS/SEIS notes. UK-specific for small and medium businesses. No US TikTok "tax hacks."
Risk flags
If you ask something that sounds like a DLA overdraft, a PSC question, or a structure that needs an accountant-call, Freddie flags it and escalates.
Accountant context packs
Before an accountant call, Freddie builds a brief — numbers, questions, context. You arrive prepared. Your accountant respects you more.
Cross-agent handoff
Freddie drafts the email, Jess sends it. Freddie flags a deadline, Jess adds it to calendar. You don't orchestrate — they do.
Ask. Review. Send.
No new app to learn. No accountant switching. Freddie sits between you and your existing accountant — and makes the relationship work harder for everyone.
Ask Freddie anything tax-related
"What's my CT deadline?" "How much tax on £80k profit?" "Can I put this through the business?" He answers with live data, not a blog post from 2021.
He drafts the email to your accountant
When the answer needs your accountant, Freddie offers to draft the email. Professional, concise, with the numbers and the specific question already attached. You just review.
Say "send it" — Jess does the rest
Jess sends the email from your inbox. Your accountant replies. Jess catches the reply, Freddie updates the thread. Loop closed, no chasing, no lost context.
For anyone who'd rather not Google tax questions at midnight.
Freddie is built for UK small and medium businesses — limited companies, sole traders, partnerships, freelancers, founders. Not US W-9 holders, not enterprise CFOs. Specific is the point.
UK Ltd company directors
You own a limited company. Every month has a new question — dividends, pensions, expenses, allowances. Freddie gives you the current answer before your accountant bill does.
Freelancers & contractors
Self-assessment season panic is real. Freddie tracks allowable expenses year-round, estimates your January bill monthly, and drafts questions for your accountant so you're never the client who "just didn't know".
Small business founders
Raising, hiring, invoicing, or spending for the first time and wondering what counts. Freddie covers the standard Ltd-co setup questions so you don't burn founder energy on HMRC guidance PDFs.
People whose accountant is "fine"
You pay an accountant but only get proper advice once a year. Freddie fills the in-between. You arrive at every call prepped, with smart questions — your accountant starts enjoying your emails.
$19 a month. Less than one accountant voicemail.
Freddie is a specialist — so he runs inside the agency alongside Jess. Add him on when you're ready. He doesn't replace your accountant; he makes your existing one worth the fee.
the agency
Includes Hey Jess, the dashboard, shared inbox, group chat, and the cross-agent delegation layer. Freddie can't send his email drafts without Jess.
- Hey Jess — receptionist, calendar, contacts
- Unified inbox across 5 channels
- Shared dashboard + group chat
- Cross-agent delegation layer
+ Freddie
Add Freddie and your tax questions get answered with live UK data, deadlines stop creeping up, and your accountant starts getting properly prepped emails.
- Corporation Tax estimator with marginal relief
- UK tax deadline calendar (auto bank-holiday shift)
- Live GOV.UK + HMRC + Companies House lookups
- Receipt scanning & expense categorisation
- Accountant email drafting + Jess sending
- HMRC & Companies House news feed
- Tax tips library for UK small and medium businesses
- Risk flags for anything that needs a proper accountant call
The full squad: $79/mo.
the agency + Sarah + Freddie = front desk, social team, tax advisor. Still less than a part-time anything.
See all plansTell us where to take Freddie next.
Freddie is built for UK small and medium businesses right now. Regional editions are on the roadmap — we're prioritising based on real demand. Cast your vote and we'll let you know when your country ships.
Fair questions. Honest answers.
Does Freddie file anything with HMRC?
No. Freddie is a non-filing advisor by design — zero HMRC submissions, no MTD filings, no Self Assessment, no VAT, no CT600. He advises, drafts emails, and keeps you informed. Your accountant files. It's a deliberate split that keeps Freddie regulator-light and keeps you compliant.
How does the accountant email handoff work?
Ask Freddie a tax question. If the answer needs your accountant's input, Freddie offers to draft an email — with your numbers, your context, and the specific question. You review. Say "send it" and Jess sends it from your actual email address. Replies come back through Jess and get threaded in your dashboard.
Is Freddie just ChatGPT with a finance prompt?
No. Freddie has 14 real tools — live GOV.UK Content API, HMRC search, HMRC + Companies House Atom feeds, Companies House lookups, CT calculator with marginal relief, receipt scanner with AI vision, deadline auto-shift logic. He looks things up. He doesn't generate confident-sounding tax advice from a training cut-off.
Do I still need an accountant?
Yes — and that's the point. Freddie doesn't replace your accountant; he makes the relationship more productive. You arrive at every call prepped, with the right numbers and questions already drafted. Your accountant spends less time chasing info and more time actually advising.
What happens if he gives bad advice?
Freddie is built to flag anything complex — DLA overdrafts, PSC questions, unusual structures, offshore stuff, anything that doesn't match the standard Ltd-co patterns. In those cases he tells you to escalate to your accountant rather than bluffing. And every answer he gives is sourced from live GOV.UK or HMRC data, not a guess.
Which company types does he cover?
UK limited companies (Ltd), sole traders, freelancers, and contractors. He's opinionated about the UK Ltd-co context — marginal relief bands, dividend vs salary splits, allowable expenses, home office rules, mileage rates. Not built for US, EU, or enterprise tax.
Does he handle expenses and receipts?
Yes. Snap a receipt, Freddie extracts supplier, amount, VAT, date, and suggested category. Running totals by category. When your accountant asks for the year-end spreadsheet, Freddie exports it cleanly with Jess's help.
Do I need the agency base plan?
Yes. Freddie is a specialist add-on — $19/mo on top of the agency ($49/mo). He relies on Jess to send his email drafts, on the shared dashboard for the conversation history, and on the cross-agent delegation for the accountant workflow. Adding Freddie brings your total to $68/mo.
Will he know about next year's Budget changes?
Yes. Because Freddie uses live GOV.UK and HMRC feeds, he picks up rate changes, new reliefs, and policy shifts as they publish. No waiting for a platform update — the data is always current.
Want Freddie on your books?
Join the waitlist. We'll let you know when early access opens. Until then, keep the midnight Googling to a minimum — we're almost there.
Early access invites will go out in batches.