Create invoices just by describing the job
Say what you did. Ovaro turns it into a professional invoice in seconds — no forms, no hassle.
Example: Invoice John £350 for plumbing work today
Send invoices and get paid instantly
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HMRC recognised approach
Self Assessment ready
Making Tax Digital
Quarterly summaries built-in
Payments by Stripe
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UK registered & ICO
Co. 15979982 · ICO CSN5477810
Why Ovaro
The accounts side, finally handled.
No spreadsheets, no shoebox of receipts, no nasty tax-bill surprises. Ovaro keeps your books straight, your cash moving and HMRC happy — so you can get on with the work.
Just say it
Invoices and receipts in seconds
Speak it: “Invoice John £350 for plumbing today, due in 7 days.” Smart Create writes it, formats it and files it. No forms, no fiddling.
- Voice-first Smart Create
- Auto-categorised expenses
- Audit-ready records, kept for you
Never miss a deadline
MTD-ready, with a live tax pot
We track what you owe HMRC in real time and ring-fence it as you earn. You always know your number — no January panic.
- Making Tax Digital ready
- Live Income Tax & VAT forecast
- Quarterly reminders, done for you
Get paid, chase nothing
Pay-by-link invoices that chase themselves
Every invoice has a Pay Now button (powered by Stripe). Polite reminders go out automatically until the money lands.
- One-tap card & Apple Pay
- Automated payment chasers
- Cash-flow you can see ahead
Smart Create
Speak it. Send it. Get paid.
Describe the work in plain English — by voice or text — and Ovaro turns it into a polished invoice with the customer, line items, VAT and due date already filled in.
- Voice or text input, parsed by AI in seconds
- VAT, totals and due dates inferred for you
- Branded preview ready to send before you finish your coffee
Get paid faster
Card, Apple Pay, Google Pay — on every invoice.
Every Ovaro invoice ships with a secure payment link powered by Stripe, so customers can pay in seconds from any device. Tap to Pay on iPhone is coming to the Ovaro mobile app for in-person card payments.
- One-tap payment links on every invoice
- Apple Pay and Google Pay built in
- Tap to Pay coming to the Ovaro mobile app
Receipts & expenses
Snap a receipt. We do the rest.
Photograph a receipt and Ovaro's AI extracts the merchant, amount, VAT and category in seconds — ready to file as an allowable expense at tax time. No more shoeboxes, no more spreadsheets.
- AI captures merchant, amount, date, VAT and category
- Auto-flagged as allowable for Self Assessment
- Original photo kept on file for HMRC peace of mind
Mileage & GPS
Drive it. Claim it. Done.
Tap start before you set off and Ovaro tracks the journey by GPS — or type in a trip you took earlier. We work out your claim at the official HMRC rate and drop it straight into your expenses, ready for your tax return.
- Live GPS tracking — start before you drive, stop when you arrive
- HMRC rates built in: 45p / 25p for cars and vans, 24p motorcycle, 20p bike
- Every trip lands in your expenses and Self Assessment automatically
Tax centre & MTD
Self Assessment, sorted year-round.
Ovaro keeps a running estimate of your tax bill as you invoice and log expenses — so there are no January surprises. When Making Tax Digital lands, you'll already be ready.
- Live estimate of your Self Assessment bill, updated daily
- Quarterly summaries built and ready for MTD submission
- Class 2 & 4 NI calculated automatically alongside income tax
Pricing
Two plans. No surprises.
Try Ovaro free for 7 days. No card needed up front. Cancel any time from your settings — you keep your records either way.
Basic
£3.99per month
For sole traders just getting started or only sending the odd invoice.
- Up to 3 invoices, estimates or receipts each month
- Get paid by card with a payment link
- Voice and text Smart Create
- Mileage tracker with HMRC rates
- Receipt scanning (basic monthly limit)
- Simple income and expense reports
Premium
£6.99per month
For self-employed people running a real workload — built around Making Tax Digital.
- Unlimited invoices, estimates and receipts
- Unlimited receipt scanning
- MTD-ready quarterly returns (ITSA + VAT)
- HMRC expense categories with plain-English help
- CSV export for your accountant
- Priority email support
Prices in GBP, VAT included. You can switch between plans whenever you like.
FAQ
Honest answers, not waffle.
If you can't see your question here, drop us a line at support@ovaro.io and a real person will reply.
I'm not great with tech or accounting — is Ovaro really built for me?+
Yes. Ovaro is written in plain English, with little help tips next to anything that sounds like accountant-speak. You type or say what happened ("invoice Dave £400 for fitting a sink") and we do the formatting, the maths and the VAT. If you can send a text, you can run your books.
How do I send an invoice or a receipt?+
Open the app, tap Smart Create and either talk or type. Ovaro builds the invoice for you, you check it, then send it by email or share a link. The customer can pay by card straight from the link.
How do I get paid?+
Every invoice gets a Pay button. Your customer taps it, pays by card or Apple/Google Pay, and the money lands in your bank account. You'll see the invoice marked Paid automatically — no chasing, no manual ticking off.
Will this keep me right with HMRC and Making Tax Digital?+
That's the whole point. Ovaro keeps a digital record of every sale, expense and mile, sorted into the official HMRC categories. When the quarterly deadline comes, your figures are ready — for both Income Tax (ITSA) and VAT.
Can I track my expenses and mileage too?+
Yes. Snap a receipt and Ovaro fills in the shop, date and amount for you. The mileage tracker uses GPS while you drive, then turns the trip into a claim at the current HMRC rate (45p / 25p for cars and vans).
Is my data safe?+
Your records are stored on encrypted servers in the UK/EU. Only you can see them — not other users, not random staff. You can export everything to CSV any time, or delete your account and take your data with you.
Can I cancel whenever I want?+
Yes — month to month, no contract. Cancel from your settings and you won't be charged again. Your records stay available so you can export them.