Stoneledger Accounts. CIS. VAT. Tax.
Automated. Done.

Nine templates down the side, from income received in advance to a depreciation adjustment, with a blank journal for anything else. Each one says when to use it, what it posts, what you choose and gives an example, in a few lines rather than a manual.

A customer pays for a year up front. Deferred income is fixed. Choose the income account, or link the sales invoice and it is filled in for you, then type the amount once. Say when it is fully earned, and whether monthly, quarterly or all on that date. Stoneledger posts the deferral now and every release with it, and shows you each one before you post. A part month takes its share by days.

March's electricity, billed in April. Accruals is fixed and the journal reverses itself on 1 April, so when the real bill arrives it is not counted twice.

A year's van insurance paid in June. Prepayments is fixed. Link the purchase invoice and its account, amount and date are filled in. Give the first and last day the bill covers, and the cost goes back into the profit at each month end, so each month carries its own share.

A business cost paid on your own card. The other side is filled in for you: money introduced by the owner for a sole trader, the director's loan account for a company, which the company now owes you.

Every journal in the year, with its reference and lines. Releases carry their place in the schedule, and a journal and its reversal point at each other. Each one flows into the trial balance, the balance sheet and your tax figures straight away.

Every property on one screen: what it earns, what it costs, the profit, what you paid for it and the yield that follows. Jointly owned? Your share of the income and your share of the capital, so the yield is yours and not the whole property's. Click any figure to open the entries behind it.

What the agreement says is due, against what has actually arrived, tenancy by tenancy. Deposits are shown with the one thing that matters about them: whether they are protected. They must be in an approved scheme within 30 days, and the penalty for missing it is up to three times the deposit.

Since 2020 mortgage interest on a residential letting is not a cost of the business. It buys a 20% reduction off your tax instead - capped, with whatever the caps hold back carried forward to later years. Stoneledger shows the whole working, says where every figure came from, and carries the balance into next year for you.

Gas safety every year, an electrical report every five, the EPC, the deposit, the licence, the Right to Rent check and the paperwork the Renters' Rights Act now requires. Each one dated, each one with what it costs to get wrong - an unlimited fine and six months for the gas certificate, up to three times the deposit for the protection.

Four quarterly updates and your tax return, in HMRC's own boxes. Plus the ones that are not annual and do not go through software at all - above all the 60-day capital gains report on selling a let home, which is late long before your tax return is due. Stoneledger works the gain out and counts the days; it tells you plainly that the report itself goes through your own HMRC account.

What you have taken off your subcontractors is HMRC's money from the moment you deduct it, not yours. Stoneledger shows what has been deducted, what has actually been paid over, and what is still sitting in the business - worked from the invoices and the bank, not from a figure anybody typed. Beside it: this year against last, and a month-by-month view of exactly what each return will say.

Every subcontractor on file with their UTR, verification number and deduction rate - gross, 20% or 30% - so each payment is deducted correctly. Anyone missing something a return needs is flagged before the month closes, not after. Verify before you pay, not after: an unverified subcontractor is deducted at 30% instead of 20%, and you cannot put that right retrospectively once the month's return has gone.

Money held back against defects is theirs, not yours - it is owed, but not payable until the defects period ends. Stoneledger keeps it on its own account instead of burying it in what you owe your suppliers, tracks it invoice by invoice, and works the CIS on it at the rate in force on the day you release it, because HMRC treats a release as a payment in its own right.

A CIS300 for every tax month, nil returns included, with the due date, the penalty building up if one is late, and a record of when each was prepared and when it was submitted. Stoneledger keeps those two apart, because only a submitted return stops a penalty.

A payment and deduction statement for every subcontractor you paid, every month, from the same figures as the return - issued, referenced and kept on file in the Statement Outbox. They are due within 14 days of the tax month end, and they are the only proof your subcontractor has that the tax was ever taken.

CIS records have to be kept for three years after the end of the tax year they relate to, and Stoneledger says the date rather than the rule: how many subcontractors, how many invoices, how many returns prepared, and the day you can stop keeping them. When the accountant asks, the whole contractor side comes out as one file.