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For accountancy practices
Accountant Agent
Routine accountancy work, done by AI and approved by a qualified accountant.
Accountant Agent tackles the capacity crisis without adding headcount. It sits on top of the tools you already use, runs your standard procedures with seven specialist AI agents, and routes every output through a qualified accountant for approval before it leaves the firm.
Working prototype
- Built for
- 2 to 15 staff, 100 to 1,000 clients
- Delivery
- About 22 to 23 weeks, stage-gated
- Implementation
- £31,500 one-off, excluding VAT
- Subscription
- £350/month from full operation, plus per-client fees
The problem
Why practices struggle
UK accountancy loses an estimated £5.33 billion a year to inefficiency, and many practices run several disconnected tools that staff bridge by hand.
Tool overload
About 45% of UK respondents (89 of 200) use two or more accounting tools at once. (Chift, State of European Accounting Tech 2026)
No single client record
Data lives in several different tools, so staff reconcile it manually.
Deadline sprawl
Self Assessment, CT600, VAT and MTD quarters all sit on different calendars.
Client chasing by hand
Staff send individual emails, with no tracking and no audit trail.
No approval chain
Who approved that filing? Too often, the answer is buried in an email chain.
The talent wall
43% of UK accountants plan to leave the profession within the next year (Silverfin 2026, UK sample of 100). 46% say they receive more advisory requests than they can handle (Silverfin 2026).
The cost of doing nothing
What inefficiency costs
£5.33bn
Lost to inefficiency
Estimated annual loss across UK accountancy. Surveyed firms lose about 16% of potential revenue to inefficiency. (Silverfin, All Accounted For 2025)
£47,686
Billable hours lost
Mean value per full-time accountant, per year. (Silverfin, All Accounted For 2025)
1.5 hrs
Admin for every hour of advisory
Internal admin time for each hour of client advisory work. (Silverfin, All Accounted For 2025)
The solution
One operating layer, seven agents
An SOP-orchestration platform with seven specialist AI agents, all sharing one client record. A client event, deadline or inbound letter triggers the right procedure; agents do the chasing, drafting and preparing; a qualified accountant reviews and approves; the outcome is filed on time, audit-logged and the client is notified.
1 · Intake Agent
Enquiry replies, client classification, tier recommendation and AML trigger.
2 · Ledger & Banks
Transaction coding, bank reconciliation, receipt matching and flags for review.
3 · Records Chaser
Personalised chase sequences, escalation and missing-item summaries.
4 · Compliance & Filings
Deadline calendar, filing packs, readiness checks and submission preparation.
5 · HMRC / Companies House mail
Letter triage, draft replies, appeal letters and payment allocation.
6 · Advisory
Relief screening, scenario modelling, KPI packs and opportunity alerts.
7 · Billing & Ops
Invoice generation, payment reminders, WIP tracking and upsell prompts.
Orchestrator & dashboard
Routes tasks, holds state per client and escalates exceptions. Every client, deadline and task in one view.
See it in action
Approval in practice
Nothing is sent to a client, HMRC or Companies House until a named accountant approves, edits or rejects it. Screens from the working prototype, with sample data.
Assist mode
Assist mode: zero disruption
Your tools stay
Xero, QuickBooks or Sage, your practice software, HMRC Gateway, email and calendar. No rip-and-replace.
Direct API links
Bank feeds, the HMRC agent API, Companies House API and e-signature. Encrypted, with no manual data entry.
Agents do the work
Chase clients, draft filings, triage HMRC mail and flag exceptions, in your firm's voice.
You stay in charge
Review AI drafts, click to approve, sign off filings and advise clients. Your name, your judgement.
A Self Assessment season, before and after
A Self Assessment season: before
- Staff manually identify which clients need chasing
- Individual emails sent, with no tracking or escalation
- Senior accountant builds draft returns by hand
- Missing information causes last-minute panics in January
- No visibility of where each client is in the process
After
- The agent identifies each client's readiness status
- Personalised chase sequences run automatically (3 touchpoints)
- Draft return populated from ledger data and flagged for review
- Partner reviews the pre-built return and approves it
- A live dashboard shows every client's status in real time
Illustrative workflow for a practice of 300 clients. Not a measured result.
Where the work goes
Routine work, handed to agents
- Admin: chase sequences, intake forms, portal updates
- HMRC correspondence: triage, draft replies, payment allocation
- Bookkeeping: transaction coding, bank reconciliation, receipt matching
- Compliance support: deadline tracking, readiness checks, filing pack assembly
- Client services: status updates, standard queries, document requests
- Payroll admin: data collection, HMRC submission preparation
Human professionals remain responsible for all judgements, advice and sign-offs.
How it is built
Technology
Integrations
Wraps your existing tools via secure API: Xero, QuickBooks, Sage, CCH, TaxCalc, Iris, email and calendar.
Direct connections
Bank feeds, HMRC agent API, Companies House API and e-signature service.
AI layer
Claude, with each of the seven agents built as a skill: instructions, examples, allowed tools and output format.
Workflow & records
n8n, self-hosted, runs the workflows. Postgres holds the client record, approvals and audit trail. Each layer can be replaced.
Human approval gate
Every outbound action, whether a filing, letter or advice, needs a qualified accountant's explicit approval. Architectural, not policy.
Security, review & compliance
Google Cloud, in a UK or Western EU region, confirmed in writing before signature. Encryption in transit and at rest, and UK GDPR data processing terms. Traceability is part of the design: each figure links back to its source record. Professional indemnity and cyber insurance will be in place before the first project starts.
Scope
What is in, and what is not
In scope
- Client onboarding and AML/KYC, with MLRO approval workflow
- Records collection and chasing
- Bookkeeping, bank reconciliation and month-end close
- Self Assessment season and MTD quarterly cycle
- Company year-end, statutory accounts draft and CT600
- HMRC and Companies House correspondence triage
- Billing and fee management
- Standard operating procedures configured for each package, as listed in the scope schedule
Out of scope
- Autonomous filings: nothing is submitted to HMRC or Companies House without explicit human approval
- Legal, tax or regulated financial advice: outputs require qualified accountant review
- Licences for third-party tools such as Xero, CCH or TaxCalc
- Bespoke software development beyond SOP and agent configuration
- Data cleansing or historical migration unless included in a package
- On-premises installation or offline operation
Delivery in six phases
Stage-gated: each phase ends at a gate, and the next phase starts only after that gate is signed off. About 22 to 23 weeks from signature to full operation (Gate 5). The Baseline starts in the first week after signature.
- Baseline (A) · 2 to 3 weeksDiscovery, requirements, SOP mapping and baseline measurement. Gate 0.
- Front Door (B) · 3 weeksCRM, AML and client onboarding go-live. Gate 1.
- Records & Books (C) · 4 weeksLedger, banks and records chasing live. Gate 2.
- Compliance Hub (D) · 5 weeksVAT, Self Assessment and year-end workflows live. Gate 3.
- Advisory · 3 weeksAdvisory agent and advisory package live. Gate 4.
- Scale & Refine · 3 weeksFull client book on the system, tier pricing, handover and sign-off. Gate 5, full operation.
Pricing
Priced to fit your practice
A one-off implementation in four stage-gated packages, with Advisory and Scale & Refine included, then a monthly platform subscription plus a per-client fee by service tier. Packages can be engaged individually or as a full programme.
The full programme is £31,500 one-off, excluding VAT. Advisory and Scale & Refine are included at no extra implementation fee. Anything beyond the fixed scope is agreed as a written change before work starts.
Package A · 2 to 3 weeks
Baseline
£2,500 one-off
Baseline Platform Setup
- Core platform deployed (cloud, UK data residency by design)
- Up to 3 existing tools integrated via API
- SOP library configured (up to 5 SOPs)
- Staff onboarding session and admin dashboard
Accepted when: Platform live, integrations active, 5 SOPs executable
Package B · 3 weeks
Front Door
£12,000 one-off
CRM & AML Onboarding
- AI-assisted client intake and lead management
- AML/KYC document collection and verification prompts
- Engagement letter generation with digital approval
- AML checklist mapped to MLRO approval workflow
Accepted when: 10 test client onboardings completed with MLRO sign-off
Package C · 4 weeks
Records & Books
£9,500 one-off
Records & Books Automation
- Ledger & Banks Agent: categorisation and bank reconciliation
- Records Chaser Agent: email/SMS chase sequences
- Bookkeeping SOPs and monthly management accounts pack
- Integration with Xero, QuickBooks or Sage
Accepted when: End-to-end reconciliation cycle completed for 3 test clients
Package D · 5 weeks
Compliance Hub
£7,500 one-off
VAT, SA & Year-End
- VAT return preparation workflow
- Self Assessment data gathering and computation draft
- Year-end pipeline: trial balance to statutory accounts draft
- HMRC/CH Mail Agent and filing deadline tracker
Accepted when: Live VAT return and SA computation produced with the approval gate active
Payment in milestones
Each payment falls due at a milestone set out in the Terms.
- Baseline (Package A)50% on signing, 50% on acceptance of the report
- Packages B, C and D25% at package start · 40% when integration is live and SOPs are wired · 35% at UAT and acceptance
Platform and per-client fees
Platform
£350 per month, from full operation (Gate 5)
- Core platform and dashboard
- Orchestrator, SOP library and approval gate
- Audit trail and secure integrations
Tier 1 · Compliance Essentials
£2.50 per active client per month
Core compliance
- Self Assessment, CT600, accounts & confirmation statement
- MTD quarterly updates & deadline reminders
- Intake, records chasing, deadline calendar
Tier 2 · Managed Service
£6.00 per active client per month
Everything in Tier 1, plus
- Monthly bookkeeping review, VAT, payroll & HMRC correspondence
- Categorisation, reconciliation, draft replies & status updates
Tier 3 · Premium Advisory
£18.00 per active client per month
Everything in Tier 2, plus
- Tax relief & exemption planning, salary/dividend strategy
- Cashflow forecasts, KPI reporting, annual planning review
The Intake Agent recommends a tier for each client at onboarding, based on entity type, turnover and complexity. A client is billable from the month they are onboarded, for the full month. The subscription runs for a minimum of 12 months from full operation (Gate 5), then either party may end it on 30 days' written notice.
Optional advisory retainer
£1,000–£1,500 per month, optional
Ongoing advisory support, with the scope and fee agreed in writing before it starts.
| Clients | Monthly total |
|---|---|
| 100 | £955 |
| 200 | £1,560 |
| 300 | £2,165 |
| 500 | £3,375 |
| 1,000 | £6,400 |
All prices exclude VAT. Any change to the agreed scope is priced and agreed in writing before work starts.
Who it is for
Who buys it
Small and medium practices
Firms with 2 to 15 staff and 100 to 1,000 clients, where the programme is priced and sized to fit.
Growing practices
Firms that want to take on more clients with the same team: same people, more clients, less chaos.
Firms facing MTD for Income Tax
Practices preparing for MTD for Income Tax, which applies from April 2027 to qualifying income over £30,000.
Typical buyers: Practice partners, Practice managers, MLROs and compliance leads.
Getting started
Where we go from here.
- Step 1: Discovery callFree, one hour with our lead consultant. We map your SOP library, tool stack and top three pain points. Usually within 5 working days.
- Step 2: ProposalWithin 10 working days of discovery: a firm-specific proposal, Terms of Proposal and Service Level Schedule. An 8-minute demo on sample data is included.
- Step 3: Signature and BaselineDay 1 is signature. The Baseline (2 to 3 weeks) starts in the first week after signature: SOP mapping, tool audit and baseline measurement.
- Step 4: Build to full operationPackages B to D, Advisory and Scale & Refine follow in gated phases, reaching full operation in about 22 to 23 weeks. Hypercare runs for 30 days after each go-live, in business hours.