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How 123Tax Works

You don't need to learn any new software. You already know how to use it — it's WhatsApp. If you can take a photo and send a message, you can do your tax. We'll walk you through every step.

1

Send Your Receipts on WhatsApp

Snap a photo of any receipt, invoice, or expense with your phone. Send it to our 123Tax WhatsApp number. That's genuinely all there is to it. No spreadsheets. No uploading files to a website. No logging in to anything.

Just like texting a mate
2

We Categorise & Track Everything

Our team reads your receipts, matches each one to the correct HMRC-approved expense category, and keeps a running total of your income and expenses. You can check your summary at any time just by messaging us.

HMRC-recognised categories
3

We Submit Your MTD Returns

At the end of each quarter, we send you a simple summary of your income and expenses. You reply to confirm it looks right, and we submit your MTD return directly to HMRC on your behalf. Done. No forms, no portals, no stress.

Submitted to HMRC for you

See it in action

It really is just a WhatsApp chat

Here's what an actual conversation looks like. You send us a receipt, we confirm it's been logged, and your running total updates automatically. Need a summary? Just ask. It's that simple.

No passwords to remember. No app to figure out. No menus, no dashboards, no confusing screens. Just a chat you already know how to use.

123

123Tax

online

📷 fuel_receipt.jpg

Fuel receipt — £65

14:32 ✓✓

Got it! Fuel receipt for £65.00 added to your expenses for December. Your total expenses this month: £342.00. Want a summary? Reply SUMMARY anytime.

14:32

SUMMARY

14:33 ✓✓

📊 Your Q3 Summary:

Income: £12,450.00

Expenses: £3,892.00

Net: £8,558.00

Next MTD deadline: 5th Feb. We'll remind you 2 weeks before. Nothing to do until then! 👍

14:33

Brilliant, cheers 👍

14:34 ✓✓

Type a message

What You'll Need to Get Started

Honestly, the setup is almost embarrassingly simple.

A smartphone

Any phone with a camera will do

WhatsApp (free)

You probably already have it

5 minutes

That's all it takes to get going

That's it. Seriously.

Questions?

Frequently Asked Questions

Do I need to download an app?
No. There is no app to download, install, or learn. The entire 123Tax service runs through WhatsApp, which you almost certainly already have on your phone. If you can send a text message, you can use 123Tax.
How do I send my receipts?
Take a photo of the receipt with your phone camera and send it to our 123Tax WhatsApp number, just like you'd send a picture to a friend. You can add a quick note if you want (e.g. "fuel for work"), but it's not essential — we'll figure it out from the receipt.
How quickly do you process receipts?
Usually within the hour. We'll send you a confirmation message on WhatsApp once your receipt has been processed, categorised, and added to your records. During busy periods it might take a little longer, but we always aim to have it sorted same-day.
Can I check my expenses at any time?
Yes. Just send the word SUMMARY to our WhatsApp number and we'll reply with a full breakdown of your income, expenses, and net position for the current quarter. You can do this as often as you like — there's no limit.
What happens at the end of the quarter?
We send you a quarterly summary showing all your income and expenses. You review it, reply to confirm it's correct, and we file your MTD return with HMRC on your behalf. We'll also remind you well in advance of any deadlines so there are no surprises.

Ready to stop worrying about tax?

Join hundreds of tradespeople and self-employed workers who've already made the switch to 123Tax. It takes 5 minutes to get started.

No credit card required. No app to download.

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