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Making Tax Digital: prepare your digital records from £0 →
Cherry Money
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Cherry Money with AI

Accounting and invoicing software for UK small businesses.

Create invoices, organise expenses and keep your bookkeeping records in one place. Prepare VAT figures for review, with Cherry AI to help explain your numbers.

Examples use illustrative figures. Cherry Money supports record keeping and VAT preparation. Direct HMRC filing is unavailable pending production access.

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Ask
Cherry Finance guidance that turns your live numbers into a clear next step.
Example finance briefing 1 of 6
You asked

What needs my attention this week?

Reading invoices, bank activity and upcoming bills

Three overdue invoices are the quickest way to protect next month's cash position.

Overdue£8,420
Cash runway74 days
Due this week£3,260
Suggested next step Send reminders for the 3 highest-value invoices
Ask Cherry reviews connected finance records, explains what changed and recommends a practical next action.
Cash-flow briefing · illustrative figures; no account data accessed
Try Ask Cherry free Learn about Ask Cherry

Products

Choose the CherryMoney product for how you work.

Sole traders & new businesses

Sole Trader

Keep records, send invoices, understand cash flow and prepare digital records for Making Tax Digital.

Plans: Sole Trader Free · Sole Trader · Sole Trader Start

Explore Sole Trader
Small & growing businesses

Accounting

Keep invoicing, manual bank reconciliation, digital tax records and reporting together, then add automation, payroll and deeper financial control as the business grows.

Plans: Launch · Flow · Thrive · Practice

Explore Accounting
Employers & payroll teams

Payroll

Run pay, manage PAYE and pensions, prepare RTI submissions and keep payroll records together.

Plans: Payroll Essentials · Payroll Standard · Payroll Premium

Explore Payroll
Accountants & bookkeepers

Accountants

Bring review work, accounting controls, VAT, payroll, reporting and AI-assisted next steps into a connected practice workflow.

Plans: Member · Growth · Premier

Explore Accountants
AI finance assistant

Ask Cherry

Ask questions about invoices, expenses and cash flow. Understand what needs attention and prepare next steps for review.

Access: Features depend on your plan, permissions and enabled services.

Explore Ask Cherry
Digital tax records

VAT & Making Tax Digital

Keep digital records together and prepare VAT figures for review, with guidance on Making Tax Digital.

Availability: Direct HMRC filing is unavailable pending production access.

Explore VAT & Making Tax Digital

App marketplace

Explore 100+ marketplace listings.

Explore a marketplace of 100+ apps across payments, expenses, payroll, CRM, ecommerce, reporting and workflow automation—availability varies by provider. Listings do not mean every integration is connected or available to activate.

Payments Expenses Payroll & HR CRM Reporting Ecommerce

Cherry Money currently lists 120 marketplace entries. Connection availability and setup vary by provider; some integrations are request-based.

100+

Apps for the way you work.

Find tools that can connect finance, sales, people and operations around one accounting workspace.

Sign up to explore apps
0 example financial health score
0% sample invoice payment visibility
0 score lenses for smarter decisions
0 workspace for banking and business finance

Financial scoring

Personal, invoice and business health explained in plain English.

Illustrative scorecards show how balances, cash timing and payment history can inform your review.

86

Money score

Overall health from balances, liabilities, cash timing and recurring commitments.

74

Invoice score

Tracks payment speed, overdue exposure, tax readiness and client concentration.

91

Savings score

Shows how deposits and liquidity can cover the next few months of activity.

68

Business score

Highlights treasury pressure, reporting hygiene, forecast confidence and growth room.

Platform

Built like a proper operating system for small business finance.

Keep invoices, expenses, digital tax records and reports together in your finance workspace.

Today Finance overview
Available balance £48,260.00
Incoming payment+£8,400
VAT figuresFor review
Forecast range90 days

Invoices and quotes

Create polished invoices, send reminders, track overdue work and convert quotes cleanly.

Banking and reconciliation

Connect money movement to the work behind it with bank reconciliation and payment visibility.

AI reports and forecasts

Turn invoice, expense and payment data into short, useful reports for daily decisions.

Cherry AI agents

Finance admin handled before it slows you down.

Cherry AI helps users review invoices, tax checks, payments and cash-flow signals, then suggests next steps for review. Availability depends on plan and configuration.

Illustrative scenarios, not live account data. Direct HMRC filing is unavailable pending production access.

Try Free Ask Cherry
Payments agent example Illustrative

Chase overdue invoices before they pinch cash flow.

Show overdue invoices over £1,000 and draft reminders.

Hill & Co £2,460
Bridge Studio £1,180
VAT preparation example Illustrative

See an example of checking VAT figures from receipts, invoices and bank matches.

Find missing evidence for this return and prioritise the easy fixes.

Receipts reviewed 84%
Return status 2 checks left
Forecast example Illustrative

Spot cash movement earlier and explain the next best action.

Compare the next 90 days against last month and highlight pressure.

Runway 117 days
Risk movement -8%

Solutions

Choose by what you are trying to get done.

01

Start an invoice

Generate an invoice fast, then move into the full workspace when you are ready.

 02

Run the business

Quotes, invoices, payments, expenses, tax and dashboards in one focused product.

 03

Launch with confidence

Free tools for company names, VAT templates, invoice downloads and early setup.

 04

Talk to Cherry

Get guidance on the right plan, mobile access, tax workflow and reporting setup.

Guided intelligence

Less dashboard noise. More next-best actions.

Review changes in cash flow and prepared tax figures, then decide which action to take.

Explore free tools
Cash flow Two late invoices will reduce next month's headroom by 12%.
Tax Review your prepared VAT figures with your accountant. Direct HMRC filing is unavailable.
Growth Revenue is rising faster than expense growth across the last 60 days.

For accountants & bookkeepers

One calm view across the clients who count on you.

CherryMoney helps practices move from scattered financial signals to focused client conversations, with shared insights, consistent workflows and support that grows with your portfolio.

Explore the partner programme Apply to become a partner
◎
Portfolio overview

See clients, deadlines and attention areas from one connected view.

⌁
Practice-ready workflows

Standardise reviews, reports and next actions across your team.

✦
Partner enablement

Get guided onboarding, learning and support as adoption grows.

Accounting workspace

Run daily finance from one clean cockpit.

Track invoices, purchases, payments, products and financial health without jumping between disconnected tools.

  • Sales and purchase workflows
  • Client and product records
  • Finance dashboard and scorecards

Plans

Start free. Upgrade when Cherry starts doing more of the finance work.

Compare accounting plans, included features and current pricing to find the right fit for your business.

Sole traders & small businesses

Launch

Essentials for digital records, invoicing, expenses and everyday bookkeeping without a live bank connection.

Free forever — no monthly subscription fee.

  • Unlimited invoices
  • 30-day cash-flow forecast
  • Invoices and quotes
  • Digital tax records
  • Expenses and mileage
Explore Launch
Businesses ready to automate admin

Flow

Automate bookkeeping, receipt capture, imported transaction matching and recurring finance work.

Intro offer: £1.50 per month for 3 months, then £15.00 per month.

  • Unlimited invoices
  • 30-day cash-flow forecast
  • Invoices and quotes
  • Manual bank reconciliation
  • Automatic reconciliation
Explore Flow
Growing businesses using AI-guided finance

Thrive

Popular choice

Add deeper automation, payroll, 90-day forecasting and finance insight for a growing team.

Intro offer: £3.50 per month for 3 months, then £35.00 per month.

  • Unlimited invoices
  • 90-day cash-flow forecast
  • Invoices and quotes
  • Manual bank reconciliation
  • Automatic reconciliation
Explore Thrive
Teams needing advanced financial control

Practice

Run a broader finance function with advanced reporting, controls, projects, multi-currency and deeper analysis.

Intro offer: £9.90 per month for 6 months, then £99.00 per month.

  • Unlimited invoices
  • Invoices and quotes
  • Manual bank reconciliation
  • Automatic reconciliation
  • Open Banking bank feeds
Explore Practice

Discover

Questions a customer would naturally ask.

Can I use Cherry Money for invoicing and finance scores?

Yes. The redesigned journey presents invoicing, reconciliation, reporting and financial health scorecards as one connected workspace.

Does the mobile app stay part of the offer?

Yes. The page keeps the Android and iOS app links and makes mobile access feel like part of the main product, not an afterthought.

Are the free tools still available?

Yes. Free invoice generation, VAT templates and company name checks remain linked from the primary navigation and solution cards.

Contact

Ready to make the Cherry Money experience sharper?

Send a message and the team can help with plans, setup, mobile access or finance workflows.