UK personal finance · salary, side income, property

Your money is already a small business. Run it like one.

Salary, side income, rent coming in, dividends. Drop in a CSV from your bank and Dhando keeps the books the way a trusted friend who happens to be an accountant would, with a Self Assessment summary you can hand yours at year end, and rental reminders that fire before the deadlines do.

The everyday side takes care of itself too: bills surfaced before they land, budgets that update live, subscriptions you forgot you had. Live investments and joint workspaces when you're ready.

Not ready to sign up? See it with sample data first →

Free during beta · UK-only · your data stays in your workspace

The reports you actually get

Three financial statements, generated for you.

Drop in a CSV and Dhando keeps the books the way an accountant would — three plain-English statements, updated as you go and bucketed by your pay period and tax year. No spreadsheets, no jargon.

Income & Spending · your P&L

Where every pound went this month, by category — so you can see if you lived within your means.

Money In & Out · your Cash Flow

Real cash in vs out, counted when it actually moves — a card spend lands when you pay the card off.

Net Worth · your Balance Sheet

Everything you own minus everything you owe, trended so you can watch it climb over time.

Plus a 12-month Forecast and a UK Self Assessment summary when you need them.

Pick your starting point

Three tiers. Pick the one that fits today. Switch any time.

Rent coming in, a side hustle, dividends or a Self Assessment return? Prime is built for you. Just want everyday budgeting? Start with Simple. All tiers are free during beta — switching takes one click in Settings, and downgrading never deletes data.

Most people

Simple

Everyday personal finance. Know where your money goes.

  • Auto-categorised transactions
  • Budgets + savings targets, live
  • Bills calendar + payday cash projection
  • Subscriptions audit + unusual-activity flags
  • Reminders + bills + recurring detection
Start free
Investors + couples

Plus

Everything in Simple, plus Penny chat, live investments, and joint workspaces.

  • Chat with Penny + on-demand workspace review
  • Receipt inbox: bulk upload, auto-read + match to transactions
  • Live Trading 212 portfolio view
  • Joint workspaces with role permissions
  • Forecast snapshots + comparisons
  • Read-only sharing with adviser / partner
  • Print + CSV export everywhere
  • All the Simple features, included
Start with Plus
Recommended
Self Assessment + side income

Prime

Everything in Plus, plus Properties, Tenancies, and the UK Self Assessment report. Built for landlords, contractors, freelancers, and anyone with income beyond PAYE.

  • UK Self Assessment summary, file-ready figures by SA area
  • Properties + Units + Tenancies
  • Per-tenancy income tracking
  • Rent-a-Room scheme: £7,500 tax-free allowance auto-applied
  • Compliance reminders (CP12, EICR, EPC, smoke + CO)
  • Property documents (signed agreements, inventory)
  • All the Plus features, included
Start with Prime

Stop guessing where your money went.

Sign up, import a CSV, and see your income & spending in five minutes.