Your taxes, handled for you.

Varro reads your income and expenses, classifies every transaction to the correct HMRC category, and submits your return directly — in minutes, not days.

View how it works

HMRC Certified

Bank-grade Security

What Varro does

One workflow, every filing.

Varro turns your bank feed into an HMRC-ready return. Click through the features below to see each step in motion — or just watch it cycle.

Auto-cycling through features

Intake · Any source

Every source, one place

4 ways in

Bank feed

Open Banking · 20+ UK banks

LIVE47 new transactions

PDF statements

Auto-parsed — any UK bank PDF

PARSEDstatement-march.pdf

Excel spreadsheets

.xlsx / .xls exports from any source

IMPORTEDexpenses-2026.xlsx · 128 rows

CSV exports

Comma-separated rows, any column order

IMPORTEDtransactions-q1.csv · 214 rows

All four streams flow into a single HMRC-ready ledger

Merchant catalogue

80+

UK business vendors auto-detected from your bank feed — Adobe, AWS, Trainline, Premier Inn, Companies House…

Time to file

< 20 min

From connecting your bank to a submitted quarterly update. Years of paperwork, one focused session.

Built for

UK freelancers, worldwide

Whether you're in Berlin, Bali, or Birmingham — if you earn UK income, Varro files for you.

How to use Varro

From signup to submitted, step by step

No sales pitch — just the actual clicks. Here's what happens from the moment you create an account to the moment HMRC accepts your quarterly return.

Step 01 · Sign up

Create your account and tap connect bank

Takes under a minute. Pick your bank from the list, authorise read-only Open Banking access, and you're in. We never see your password — the connection is handled by your bank's own authentication.

Connect your bank

Search for your bank…

HSBC

Barclays

Revolut

Starling

Lloyds

NatWest

+ 20 more UK banks

Connect with Open Banking

Read-only · your bank authenticates you

Step 02 · Upload (optional)

Drop in anything else you already have

Old statements or spreadsheet exports — drag them into Varro. PDF statements get parsed automatically and CSV or Excel rows import as-is. No column mapping, no formatting required.

Upload records

Drag here or click to browse

Drop files here

PDF · Excel · CSV

HSBC-statement-Mar.pdf

PDF statement

✓ Parsed

expenses-2026.xlsx

Spreadsheet

✓ Imported

transactions-q1.csv

CSV export

Importing…

Step 03 · Walk away

Come back when Varro's done the work

Varro quietly categorises every transaction, builds your running tax bill against the live HMRC bands, and flags anything worth a second look. There's nothing for you to do while it runs — check in when it suits you.

Dashboard

Tax year 2026-27

AI working

Your tax so far

£3,436

Based on £8,172 deductions Varro found

AI review progress

47 / 52

Income

£42,180

Deduct.

£8,172

Missed

3 found

Step 04 · File it

Review, confirm, and click submit

Open your dashboard, confirm anything Varro flagged, and claim the deductions it suggests. When a quarter is ready you'll see a green "Ready to file" badge — one tap previews the payload, one more sends it to HMRC. That's the whole job.

Quarterly update

Q1 · 6 Apr – 5 Jul

Ready to file

Income this quarter£14,520.00

Allowable expenses−£2,748.00

Net profit£11,772.00

All 47 transactions reviewed and confirmed

Submit Q1 to HMRC

One more tap to confirm. That's it for this quarter.

Setup time

< 2 min

from sign-up to connected bank

Your effort

~5 min

per quarter to file

Banks

20+

UK banks supported

Clicks to file

review → preview → send

Understanding the rules

MTD ITSA, in plain English.

From 6 April 2026, HMRC requires most self-employed people and landlords to file tax digitally — four times a year instead of once. Most freelancers still don't know what it means, when it hits them, or what they have to do. Here's the whole thing, without the jargon.

The 10-second version

If you earn over £50,000 from self-employment or UK property, from 6 April 2026 HMRC requires you to keep digital records and send 4 quarterly updates plus one year-end declaration — every year, forever.

This replaces the paper SA100 Self Assessment form you've been filing every January. You'll need HMRC-approved software (that's where Varro comes in) — no spreadsheets, no direct HMRC portal typing.

Phase-in schedule

Three dates that decide when you’re in

HMRC is rolling MTD ITSA out in three waves, each lowering the income threshold. Once you’re in, you stay in — even if your income drops later.

LIVE NOW

6 April 2026

Required if you earn > £50,000

Now in force — roughly 780,000 sole traders and landlords are in scope

6 April 2027

Required if you earn > £30,000

Threshold drops — an additional ~970,000 people become required

UPCOMING

6 April 2028

Required if you earn > £20,000

Further drop — catches most small side-hustles and single-property landlords

LIVE NOW

6 April 2026

Required if you earn > £50,000

Now in force — roughly 780,000 sole traders and landlords are in scope

6 April 2027

Required if you earn > £30,000

Threshold drops — an additional ~970,000 people become required

UPCOMING

6 April 2028

Required if you earn > £20,000

Further drop — catches most small side-hustles and single-property landlords

Am I affected?

Find out in ten seconds

Type your rough annual income from self-employment and property — we’ll tell you exactly which phase you’re in. No account, no data stored, instant answer.

Your annual income

Self-employment (gross turnover, before expenses)

UK property / rental income (gross rent)

Total income that counts£0

Note: PAYE salary, dividends, bank interest, and pension income don’t count toward this threshold — even if they push your total earnings much higher.

Our verdict

You're not in scope yet

Your current income is below every MTD ITSA threshold. You can stay on the existing annual Self Assessment system until the rules lower further.

What counts

Which income decides if you’re in?

Only two income sources count toward the MTD ITSA threshold. Everything else — including your day job — is excluded, even if it’s your main source of cash.

Counts toward the £50k threshold

Self-employment
Sole trader, freelance, CIS, gig work
UK property income
Rental income from UK buy-to-let

Doesn’t count — even if it’s your main income

PAYE salary
Employed / umbrella company income
Dividends
From UK or foreign shares
Bank interest
Savings account interest
Pensions
State or private pension income
Foreign property
Overseas rental — counted separately

Before vs After

What’s actually changing

The old paper-form-in-January system is gone. Here’s exactly what replaces it.

Before · SA100

Annual Self Assessment

Paper or online form, once a year
One single deadline: 31 January
Add up twelve months of receipts at once
File directly in HMRC’s online portal
No mid-year visibility of your tax bill

From April 2026 · MTD ITSA

Digital records + 4 updates + 1 declaration

Digital records kept all year round
Four quarterly updates — Aug, Nov, Feb, May
One final declaration by 31 January
Must use HMRC-approved software (not the portal)
Live running tax bill updated as you go

Your four jobs

What you actually have to do

Once you’re in scope, every tax year has the same rhythm. These four obligations replace the single annual Self Assessment return.

Job 1 of 4

Keep digital records

Every business transaction — income and expense — recorded digitally. No shoebox of receipts. An HMRC-approved app does this automatically from your bank feed.

Job 2 of 4

File 4 quarterly updates

A running total of income and expenses submitted every quarter. Due one month after each quarter ends: 7 Aug, 7 Nov, 7 Feb, 7 May.

Job 3 of 4

File one Final Declaration

At year-end, confirm your full numbers, claim allowances and reliefs, and crystallise the tax you owe. Deadline: 31 January following the tax year.

Job 4 of 4

Use approved software

HMRC no longer accepts paper SA100 or direct portal typing for in-scope taxpayers. You must file through software on HMRC’s ISV register. (Varro is applying.)

Good news · Soft landing 2026–27

No penalty points for late quarterly updates in the first year.

HMRC has confirmed the whole 2026–27 tax year will run under a “soft landing”: you still have to file, but missing a quarterly deadline won’t cost you a penalty point. Two caveats: the soft landing does not apply to the year-end Final Declaration, and it does not apply to late payments of tax owed. Use it as a learning window, not a free pass.

Verify everything on this page

GOV.UK · Making Tax Digital for Income Tax

Official HMRC guidance and exemption rules

ICAEW · TAXguide 01/25

Chartered Institute reference guide for MTD ITSA

HMRC Software Register

List of MTD-approved software providers

Varro is a software tool, not a regulated accountancy or tax-advice service. Information on this page is provided for guidance only — check the sources above or speak to a qualified accountant about your own circumstances.

Pricing

Honest pricing, priced for freelancers.

Four tiers, no per-seat gymnastics. Express your interest now — Varro launches later this year, and Founding Members lock in lifetime pricing for a single £199 payment.

Starter

Simple filings, one self-employed business

£49/ year

1 self-employed business
2 bank connections
Up to 500 transactions per month
Quarterly updates + final declaration
Live HMRC filing

Right for side-hustles and low-volume traders.