The business toolkit

Accounting and bookkeeping for your business account

Manage your invoices, bills, tax, VAT and more from your bank account, all for just £7 a month.

Toolkit phone and laptop interface

Supercharge your business banking

Wouldn’t it be great to have a part-time bookkeeper? One who’s always reliable, totally invisible and only £7 a month?

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Save time.
Spend less time sorting through invoices and receipts – and more on what you’re good at.

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Keep track.
Toolkit will help you stay on top of tax, invoices, bills and more.

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Stay organised.
When your banking and bookkeeping are all in the same place, life becomes that little bit easier.

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Tailor-made features.
Whether you’re a freelancer, self-employed, or small business, Toolkit’s features simplify the extra financial admin.

Get started
Christopher Smith

"It’s really easy to see what’s in the process of being paid, what’s done and what’s still outstanding."

Christopher Smith, Smith Brass Services
Toolkit laptop set up
Starling business card and Zettle reader

Get your first month for free!

Manage your invoices, bills, tax and VAT from your Starling account. The first month’s on us, and then it’ll cost just £7pm after that.

Get started

Features of the Business Toolkit

Instant invoices

Create and seamlessly send invoices directly from your desktop, and connect your online banking to your email. When you get paid, just match your invoices in a single click.

View a dashboard of all of your invoices to stay on top of your cash flow.

Learn more about invoicing

An invoice image

Automated expenses

We’ll automatically categorise your transactions with useful spending categories and tax allocations. See handy hints in the category description to help you understand what is and isn’t allowable for tax.

Learn more about the Bookkeeping feature

Automated expenses

No more tax surprises

Good news for sole traders: see an up-to-date estimate of the money you need to save for the self employment part of your tax return. You can then set it aside with just one tap.

We calculate an estimate using cash accounting. This is suitable for most self-employed sole traders earning less than £150,000 per year.

Learn more about the tax tool

Tax estimation and goals

Record and submit VAT

Record VAT on your transactions, and set defaults if you’re happy to automate some of it. Connect to HMRC and submit your returns through Making Tax Digital.

✓ Cash Accounting Scheme

✓ Flat Rate Scheme (cash basis)

We don’t currently support other VAT schemes.

Learn more about managing VAT

Transaction sidebar and VAT boxes

Sort your bills

The Business Toolkit lets you upload bills as soon as you receive them and schedule payments to help you manage your cash flow.

Learn more about the Bills to Pay feature

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Never lose track

No more sleepless nights over invoices, tax or VAT. Starling will always show you what needs to be done in a handy interactive to-do list, so you can stay on top of your admin.

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Get started

The Business Toolkit could be great for you if you...

Are a freelancer

Sole trader, contractor, chief wearer of many hats – however you describe what you do, your life could be made easier by the Business Toolkit.

Feel overwhelmed by admin

Spend less time sorting through invoices and receipts – and more on what you’re good at.

Want to keep everything in one place

Manage things like bookkeeping, bills, VAT and self-assessment tax, directly from your bank account.

Like the idea of automated bookkeeping

But don’t want the expense or commitment of a separate accountancy package.

Do your VAT on a cash basis

Good news for those of you on the Cash Accounting Scheme or the Flat Rate Scheme (cash basis): both are compatible with the Business Toolkit.

Want to do your books on the big screen

For the time being, the Business Toolkit is available in online banking only. This means you can log in to your account on your desktop or laptop and manage your books from there.