Describe the work in a sentence. Phjord drafts the invoice, works out every figure the way a calculator does, and waits for you to press approve.
YOU TYPED
Invoice Acme Ltd for 3 days of brand design at £450/day, 14-day terms
Say what you did, "three days of design for Acme at £450 a day", and a proper invoice is drafted for you to check, correct and approve. Repeat clients are one click.
"It's 9pm on Sunday and I still haven't invoiced for the Henderson job. Again."
Before you give a big firm 30-day terms, see what they did with everyone else's invoices. Large UK companies have to publish how they pay, so Phjord puts that record beside your draft, the average days and the share paid late, while you can still change the terms. It then drafts follow-ups on a schedule matched to that record.
"The invoice is 40 days overdue and I don't know whether to nudge them or panic. Chasing feels like begging."
Mark an invoice paid and the money is in your turnover for the quarter. Photograph a receipt and Phjord puts a category against it for you to say yes to or change. When the quarterly deadline arrives, filling in your update is copying figures across.
"I've heard MTD is mandatory over £50k and I honestly don't know if my records would survive it."
Phjord drafts, you approve. Nothing is created, sent or saved without your say so, and the adding up is never the AI's job.
"I don't want some AI making up figures and firing off emails in my name."
Photograph a receipt in the van and Phjord reads off the shop, the date and what you paid. It sets what it read beside the photo. You correct anything it got wrong, and nothing is recorded until you approve it.
"There's a carrier bag of receipts in the van going back to January."
Phjord works out every total and VAT figure itself, down to the penny. You can see which figures are fixed and which are yours to change.
"Hello, a friendly reminder that invoice 2071 is now due. Please let me know if you need anything at all."
The totals run from the start of the tax year and keep running, because that’s how HMRC wants a quarterly update added up. Phjord names anything still missing, a receipt not yet recorded or an expense without a category, while there’s time to sort it.
Phjord keeps your records sorted and adds them up. It does not give tax advice, does not connect to HMRC, and is not on HMRC's list of MTD software, so your digital records and quarterly updates still go through a recognised product.
The plans differ by price and term, never by what’s in them.
Phjord launch offer: subscribe by 4 February 2027 and your first year is at the price below. After that first year your plan renews at the standard price, which is shown on every card. We are not extending the date.
For your first year, then £49.90 a year. Only 50 people ever join at this price.
For your first year, then £79.90 a year. Two months less than paying monthly, in both years.
For your first year, then £7.99 a month. You cancel from settings whenever you want.
All of this on every plan, and nothing moves until you approve it.
Your first subscription starts with a 14-day free trial. You add a card to begin and aren’t charged for 14 days. It becomes the plan you chose and renews unless you cancel first, which you can do from settings.
No. Every invoice, every email to your client and every follow-up waits for you to approve it, and you can throw any of them away.
Phjord does, from the lines you approved, down to the penny. The AI drafts those lines, and the form it fills in has no box for a total. It does read figures off your receipt. You see every one next to the photo before anything is saved.
Yes. Receipt capture is built for a phone camera, and every screen fits a small phone.
Yes, once per customer. Your first subscription starts with a 14-day free trial. You add a card to begin, and it turns into a paid subscription that renews when the trial ends unless you cancel first. If you've subscribed before, your card is charged when you subscribe. You can cancel any time from your settings, and you keep the legal right to cancel within 14 days of signing up either way.
Not today. It's something we want to build, but we cannot put a date on it: the remaining step is approval from HMRC, and that timing is not ours to set. What Phjord does now is keep your quarterly category totals added up and tell you what is still missing, so you walk into the deadline ready. The filing stays yours for now.
Yes. Phjord builds a CSV for Xero, QuickBooks Online or Sage Business Cloud, laid out in that package's own import format with the fields it requires. You set your account and tax codes once in Settings, and after that the file is ready to import as it downloads. Sage also needs a contacts file first, which Phjord builds alongside it.
Yes. From your tax screen you can download three spreadsheets: your quarterly totals, every transaction, and the income you've actually been paid. They open in Excel or anything like it, so you can send them straight to your accountant or type them into whatever you file with. You will need a product HMRC recognises to send the quarterly update itself, because Phjord is not one and does not currently file. Phjord does the part that takes all year: the figures are already added up when the deadline comes. Your records are yours, and you can take them whenever you want.