Debbie is the invoicing, job and tax app built for UK sole trader tradespeople and private landlords. Below is the complete list of every feature, grouped by who it is for, including the background automation most apps never mention. Search it or tap any section to open it up.
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Receipt scanning
Photograph a materials receipt and Debbie reads the merchant, purchase date, VAT and every line item automatically. For a VAT-registered business the reclaimable VAT is filled in and shown for you to confirm, then split across the items. Goes straight onto a job as materials or logged as a general expense, with a check for a likely duplicate scan before anything is ever saved twice.
Compliance certificate scanning
Photograph or upload a PDF of a Gas Safety Record, EICR, EPC or buildings insurance document and Debbie reads the type, issue date and cost automatically, suggesting the correct expiry for that kind of certificate. Feeds a renewal reminder and, if there was a cost, an allowable property expense once confirmed.
Mortgage statement scanning
Photograph or upload a PDF of your annual mortgage statement and Debbie reads the lender, the interest charged over the year and the outstanding balance, feeding straight into your Section 24 mortgage interest relief.
P60 & P45 scanning
Photograph or upload a PDF of a P60 or P45 and Debbie reads the employer, tax year, pay and tax deducted automatically, straight into your employed income figures alongside self-employment. Every scanned field stays read-only permanently, the document itself stays the source of truth rather than a figure someone could later mistype.
Payment processor invoice reading
Upload the tax invoice you get by email from Stripe or another payment processor as a PDF and Debbie reads the fee total and logs it as a Finance Charges expense automatically, so processing fees are never missed off your tax return.
All run on the same AI document-reading pipeline: extract first, review-then-confirm always, nothing is ever saved to a job, expense or tax record without being seen and approved first.
Bank statement import, PDF, CSV, OFX or QIF
Upload a bank statement as a PDF, CSV, OFX, QFX or QIF and Debbie reads it automatically. It recognises many banks by name, including Monzo, Starling, Barclays, HSBC, NatWest, RBS, Lloyds, Halifax, Santander, Revolut, TSB, Nationwide, Tide and Mettle, plus a generic reader that works with virtually any bank, all matched and deduplicated for you.
Smart AI categoriser
Bank transactions are categorised automatically by AI that knows your businesses, your trades and even your customers' names, so a payment from a known customer lands in the right business without any tags or notes. Mark an account as personal and everything is treated as private unless it clearly looks like business.
Safe to draw, anchored to your real balance
Debbie reads the closing balance straight off your uploaded statement, to the penny so it agrees with your banking app, adds what you have taken in since, takes off what you have spent, reserves your tax and any regular bills due in the next month and tells you what is actually safe to take out. Money owed on unpaid invoices is shown separately, it counts the moment your customer pays.
Every imported line says which business it got, and why
When you run more than one business, each bank line on the review sheet shows which business Debbie gave it to and the reason: a hashtag you typed, a name in the description, a pattern you taught it, a known merchant or the AI. Change it once and Debbie learns for next time.
Missing statement warning
If your uploads leave a hole between two statements Debbie tells you which dates are missing, so nothing goes unrecorded. It checks the running balance first, so an unbroken chain of statements never raises a false alarm.
Knows the everyday merchants
Fuel, parking, tolls, EV charging, energy, insurance, trade memberships, software and storage are recognised straight from the bank description and given the right expense category. Supermarkets, takeaways and streaming lean personal unless you say otherwise, and a business row is never flipped to personal by a guess.
Regular bills spotted automatically
Subscriptions, rent and mortgage-style payments that repeat in your account are recognised from your own statement history and anything due in the next month is set aside before Debbie calls a penny safe to draw.
Automatic gig driver income
If you drive for apps like Uber, Just Eat, Amazon Flex, Deliveroo or DoorDash, Debbie recognises those payments on your bank import, even under the bank names they actually pay out from, such as Amazon UK Services Ltd for Flex and books them as your driver income, all under one business, because every driving app is a single trade for tax. Task platforms like TaskRabbit are flagged as a separate trade instead of being lumped in.
Money between your own accounts is yours
A transfer to or from one of your own accounts is treated as drawings out or capital in, never as a business cost or business income, even if a remembered pattern says otherwise. The first time Debbie sees one it asks you to glance at it, then it remembers that account as yours and books both directions automatically from then on.
Rent recognition for landlords
Rent arriving in the bank is spotted automatically, matched to the tenant, ticks off the waiting rent charge and files as property income, never mixed into trade turnover.
Learns how you sort things
Debbie remembers how you have categorised a payment before and applies the same answer next time, so your regular income and costs land in the right place automatically and you correct them less and less.
Personal spending kept, never taxed
Personal transactions in your statement are saved so your account history in Debbie matches your bank to the penny but they never touch your tax return, your profit or your MTD figures.
More than one bank account
Upload statements from any mix of accounts, one shared account for every business, one each or a personal account alongside. Each statement is filed against the right account and a personal account's money is never counted as the business's to spend.
Bank reconciliation
Matches a scanned receipt or manually logged cost against the matching bank transaction in either direction, so nothing is double counted.
Transaction splitting
Split a single bank transaction across more than one business or carve out a personal share, by fixed amount or percentage. Locked once that transaction's tax quarter has already been filed.
Transactions & receipts galleries
Browse and search every bank transaction and every scanned receipt by month, with a full audit trail.
Find a transaction fast
The transactions screen carries a tax year selector, a sort order and its filters on the screen itself, with a Load more button rather than an endless list, so a year of statements stays something you can actually work through.
Quotes lead and stay simple
A quote is a customer and one job cost. Add materials only if you want to itemise. Send it, the customer accepts or declines from a link and an accepted quote becomes the job by itself with the price and every line carried over, so the job can never disagree with the quote it came from. Skipping the quote and going straight to a job is one tap away.
Scan a receipt straight into a quote
Pricing a job? Snap a materials receipt from the quote screen and the items land as lines on the estimate. Nothing is saved as an expense, because a price is not a purchase, that only happens when you choose to save the receipt to a job or your finances.
Debbie remembers your materials
Start typing a material on a quote or a job and Debbie offers your own past materials with the price you last paid, one tap fills both. The price stays editable, it is a suggestion, never an automatic charge.
Receipt lines become materials, counted once
Scan a Screwfix or Toolstation receipt and every line on it is remembered. Start typing on a quote or a job and the unused receipt lines appear first, with the merchant and the price you paid. Put one on a job and it links back to the receipt, so the cost is counted once as an expense and never again as a job material.
Duplicate a quote in two taps
Every quote has a Duplicate action that opens a fresh quote with the same job cost and material lines, customer cleared for re-picking. Your repeat jobs are a two-tap quote, no template system to maintain.
Job management
Track a job from quote through to invoice and payment, with status, materials, time entries and photos all in one place.
Email or print a quote from a job
Send a job's quote to the customer or print it, without changing the job's status.
Time entries
Log time spent on a job against its cost.
Job and quote photo galleries
Attach photos to a job or quote, viewable in a gallery on the job or quote detail screen.
Mileage & vehicle tracking
Log trips against a vehicle, choosing the simplified mileage rate method or actual running costs, with Debbie working out the deductible proportion for actual costs automatically and guarding against claiming both methods on the same vehicle. If you run more than one business, every trip and cost is logged against the right trade and labelled as such, so nothing is blended across businesses.
Every vehicle type, at the right rate
Not just cars. A car or van claims HMRC's 55p a mile for the first 10,000 miles then 25p, a motorcycle, moped or scooter claims a flat 24p with no mileage threshold, applied automatically per tax year. Bicycles and e-bikes go on real costs, HMRC's flat rate doesn't cover bikes for the self-employed, so Debbie claims what the bike actually costs you, split by business use from your logged miles. If your bike costs for the year are small, the £1,000 trading allowance can save you more instead, it's one or the other, never both, and Debbie uses whichever saves you more. You can run more than one vehicle at once and log separate mileage for each.
Quick odometer entry
For a shift with lots of stops, such as a parcel delivery block, read the odometer when you leave the depot and again at your last drop and Debbie works out the business miles for you, rather than logging every individual trip.
Materials calculator
Works out tiles, flooring, turf and decking, paint, plasterboard, fencing and bricks and mortar from real UK trade formulas, deducts doors, windows and gates automatically and adds your own price per unit for a total you can copy into a quote. No account needed, also free to use at debbieapp.co.uk/calculator.
Job materials tracking
Log the cost of materials against a specific job, with supplier and markup, feeding straight into that job's profit. See Smart Scanning above for photographing a receipt straight in.
Auto-linked jobs & mileage log PDF
A trip logged on the same date as a booked or completed job offers to link the two automatically. The full mileage log for a vehicle and tax year also downloads as a ready-to-file PDF. Each trip can be split to the right business too, when running more than one.
One vehicle across several businesses
Use the same vehicle for more than one of your businesses and its mileage and its 10,000-mile 55p band roll across all of them, matching HMRC's one-band-per-vehicle rule, so the counter never resets when you switch business. Say which businesses use each vehicle, so an electrician's van and a delivery car each stay with the right trade.
Working from home
The simplified flat-rate home office expense, calculated automatically from hours worked at home.
Cash jobs
A place to log cash-in-hand work so it's still declared correctly on the tax return.
Capital allowances (tools, equipment & vehicles)
Track a capital purchase like a van or a big tool, worked out as an Annual Investment Allowance claim rather than a simple expense, with the cost splittable across multiple businesses or flagged as personal use.
Per-business markup, hourly rate & VAT rate
Set a standard material markup, an hourly labour rate and a default VAT rate for each business separately, so a dog-walking business at 20% VAT and a solar business at 0% each pre-fill their own jobs and quotes correctly, without retyping it every time.
Pay a helper or subcontractor
Record who did the hours on a job and what you paid them as a deductible labour cost, CIS-aware for a subcontractor and reconciled against your bank so it's counted once, never twice.
View your tax return (SA103F)
A live view of the sole trader self-employment pages, built up automatically from everything logged in the app.
Recurring jobs
Set a job to repeat daily, weekly, fortnightly, monthly, annually or on a custom schedule. Completing one occurrence automatically books the next as its own separate job, nothing needs re-entering for a regular customer.
Custom recurrence patterns
Beyond a simple day count, repeat on specific weekdays (e.g. every Monday, Wednesday and Friday), the last day of the month or the last working day of the month.
Recurring job timeline
Tap a recurring job to see the whole series as one animated timeline, what's completed, what's next and what it's earned so far, with a one-tap way to stop the series.
Block bookings
Take one upfront payment for a fixed set of sessions, such as 10 physio sessions or a month of dog walks and Debbie books every session in and draws them down as they're delivered, no separate invoice needed per session. Works for landlord businesses too, attached to a property.
Add to Calendar
One button that automatically detects Google, Apple or a device calendar and adds the booking, including a repeating job's real recurrence rule so it repeats correctly rather than adding one-off events.
Debbie reshapes itself around your business
A plumber sees Customers, Quotes, Jobs and Invoices in one Work tab, in the order the money flows. A delivery driver sees Mileage and Documents. A landlord sees Tenants, Maintenance and Properties. Switch business and the tabs, dashboard, forms and settings change with it, automatically, with a manual override in Settings if you want it different.
Share a bank statement straight in
Once installed, Debbie appears in the phone's own share sheet, share a downloaded CSV statement from any banking app straight into Debbie for AI categorisation, no manual upload needed.
Settings save themselves
No Save button to remember. Change a setting and it is saved as you go, on every tab. Your password keeps its own explicit button.
Installable PWA
Installs to a phone's home screen like a native app, works offline for basic browsing.
Updates arrive on their own
Debbie checks for a new version every time you come back to it and shows a one-tap Update banner. No force-closing, no reinstalling, no app store.
Text size toggle
A quick Aa control to increase text size app-wide, for anyone who finds the default too small.
Documents, in every Work tab
One screen showing everything scanned or uploaded across the app, receipts, P60s and P45s, certificates, mortgage statements and payment processor invoices, grouped by category with a live storage allowance meter. Each card links straight through to where that document is actually managed, so there is only ever one place to edit or delete something.
Sort, search and fast paging on every list
Customers, jobs, invoices and quotes all have a search box, a sort menu (A to Z, most recent, highest value and more) and lists that load 30 at a time with a Show more button, so every screen stays quick no matter how big your book gets. Debbie remembers your sort choice and how far down you were, so each list is always exactly how you left it.
Unfinished forms wait for you
A half-written invoice, quote or job is kept as you type it. Close the app, take a call or lose the tab and it comes back exactly as you left it.
Says when the signal has gone
In a basement or a van with one bar, Debbie tells you plainly that it cannot reach the internet rather than failing quietly. Nothing you have typed is thrown away while it waits.
Your whole month in one view
Jobs, invoices falling due, quotes running out, rent, certificates and your tax dates, all on one month. Nothing is entered here, it is a view over everything Debbie already holds, so the calendar can never disagree with the rest of the app.
Tap anything to go straight to it
Every entry links to the record behind it, the job, the invoice, the quote, the tenancy. Rescheduling happens where the record lives, so there is never a second version of the truth to keep in step.
It is on every Work tab, whatever you do
A plumber sees jobs and invoices, a landlord sees rent and certificates, a delivery driver sees mileage and tax dates. Same calendar, different month, because Debbie only ever shows a trade the things that belong to it.
Jobs that run for more than a day
Give a job a finish date and it blocks out every day it runs, drawn as one bar across those days rather than the same job repeated, so a week-long kitchen fit reads as a week.
Job and rent states at a glance
Day boxes are outlined by the state of the work in them, and entries carry their own badge: quoted, booked, done, invoiced, and for landlords rent received, part paid or overdue.
Rent you are expecting, before it is raised
A rent day shows on the calendar from the tenancy itself, not just from a raised charge, and flips to received when the money is matched against the property it came from.
Weekends, bank holidays and world holidays
UK bank holidays including the moveable ones, plus world holidays, so a date that looks like a working day and is not can never catch you out when you book work in.
Debbie's day strip
Tap a day and Debbie reads it back to you in a line, what is on and what it means for you, plus an on this day fact with a link if you fancy the distraction.
Built for a laptop too
From a laptop the month fills the screen in landscape day boxes with hover cards, sized so five and six week months both fit without a scrollbar. On a phone it is the same calendar, sized for a thumb.
Open it on the day that matters
A link can open the calendar on a given date with one entry highlighted, which is how a reminder, an email or another screen hands you straight to the thing it is talking about.
Live tax estimate, as you go
See how much tax you owe at a glance, all year round. Debbie adds up your income, expenses, mileage and allowances as you go and shows a running estimate of your tax bill, so you always know where you stand and there are no nasty surprises at the deadline.
Allowances picked for you
The trading allowance and the property allowance are applied automatically whenever they save you money against claiming actual costs, worked out per tax year. Make your own choice and your choice always wins.
Cut My Tax Bill, sorted for you
One tab shows what Debbie has already applied for you, then the few things only you can tell it each year, like pension contributions and Gift Aid. Claims you are not using fold away into a single line and any claim with records for the year opens by itself.
Quarterly updates, MTD ready
Designed for Making Tax Digital: keep digital records and prepare each quarter's income and expenses, ready for your quarterly update.
See exactly what HMRC will receive, then send it
Filing is two taps. The first shows you the exact figures Debbie will send, period dates, income and costs, cumulative from 6 April as HMRC requires. The second sends them. If anything changes between the two, Debbie refuses and asks you to look again, and every submission is recorded before it leaves so a dropped connection can never send twice or lose your place.
VAT return with automatic reclaim
For a VAT-registered business, Debbie totals the VAT you charged customers and the reclaimable VAT you paid on materials, receipts, expenses and bank purchases, then nets the two off so your VAT return figures, what you owe or reclaim back, are worked out for you. Built from the VAT already recorded across the app, with manual entry for anything not captured.
Final Declaration
Pull your end-of-year Final Declaration figures together once all quarters and any adjustments are in.
Annual adjustments
Prepare the annual adjustments Making Tax Digital asks for, ready to go alongside your quarterly updates.
Periods of Account support
Handles a business with an accounting period that doesn't match the tax year, including the Late Accounting Date Rule.
Amend a calculation
Intent-to-amend and confirm-amendment flow for correcting a figure in a calculation you have already filed.
Business Source Adjustable Summary
Prepare and retrieve a BSAS adjustment where one is required.
Loss claims
Carry-forward and carry-back sideways loss relief claims, with the resulting tax liability adjustment.
Tax already paid is credited
Tax taken off at source, PAYE from a job and tax on a pension, is credited against your Self Assessment bill automatically, so you are never asked to pay twice on income HMRC has already taxed. If more was taken than due, it shows as a refund.
Construction Industry Scheme (CIS)
For a builder or subcontractor whose contractor deducts tax before paying them, CIS status and UTR are recorded so that tax already deducted is offset correctly against the bill.
Employed income blending
Add a salary from a separate PAYE job so the overall tax position, including which rate band self-employed income falls into, is worked out correctly.
Pension income you receive
Record a pension you are paid, the State Pension plus an armed forces, private, workplace or emergency services pension, each in its own box. It is added to your estimate as taxable income with no National Insurance and kept separate from a pension you pay into, which is a relief that lowers your bill.
Scottish taxpayer bands
Scotland's own income tax bands, distinct from the rest of the UK, applied automatically when flagged.
Pension & Gift Aid adjustments
Annual pension contributions and Gift Aid donations both extend the basic rate band correctly, exactly as the tax rules require.
Student loan & Child Benefit charge
Student loan repayment (Plans 1, 2, 4, 5, plus Postgraduate) and the High Income Child Benefit Charge are both factored into the calculated tax bill.
Accounting basis & part-year trading
Choose cash basis or accruals and record a business start or end date part-way through a tax year, so the return only covers the period actually traded.
Consolidated expenses reporting
Report one simplified expenses total instead of a full category breakdown, available while turnover stays under the VAT threshold.
Your tax bill, with its working shown
The estimate opens with the sum rather than the answer: total income from every source, less your personal allowance, giving your taxable income, then every rate band underneath it. No more wondering where the figure came from.
Income tax on your PAYE and pension
A wage or a pension alongside the trade is charged its own income tax inside the Self Assessment estimate, and the tax your employer already took is credited against it, so over-deducted tax shows up as a refund rather than disappearing.
Payments on account, HMRC's own rule
Not your bill halved. Debbie applies the statutory test, skips them where HMRC skips them, and dates and names each payment, so a January figure that is really last year's balancing payment can never be mistaken for this year's.
Figures that match HMRC to the penny
Debbie rounds the way HMRC's own calculator rounds, taxable income settled to whole pounds and the tax in each band rounded in your favour, so the bill you see is the bill HMRC works out.
A refund estimate for a loss year
Made a loss and had tax taken off at source? Debbie tells you what is coming back anyway, and separately what claiming the loss against your other income is worth on top.
Property income on the tax bill
Rental profit and the tax charged on it have their own lines beside the trade, with Section 24 relief, CIS taken at source and Marriage Allowance shown, and anything sitting at zero left off.
This whole section is UK-only, gated behind "I file UK tax". A non-UK account never sees it, see Works Worldwide below for what a non-UK account gets instead.
Property records
A real property entity with address, type (residential, commercial, HMO), nickname and archive/restore for a sold property.
Tenant / Maintenance terminology
The whole app relabels itself for a landlord business: Customers become Tenants, Jobs become Maintenance, without changing the underlying data.
Tenancy history
Move-in and move-out dates per property, with a clear view of the current tenant and past tenancies.
Void period tracking
A maintenance job can attach to a property with no tenant on it at all, an empty property is a first-class case, not a workaround.
Void-cost KPI
Shows the real pound cost of an empty period, not just the number of void days, council tax, insurance and repairs logged while nobody was living there.
Manual match for old records
Income or expenses logged before a property existed as a record can be linked to it, always a suggest-then-confirm pick list, never an automatic guess.
Automatic bank matching for rent
A due rent charge is checked against imported bank transactions and marked paid automatically when it matches, the same matching Debbie already uses for receipts and expenses. A manual "mark as paid" covers cash tenants or anything the match misses.
Rent due-date tracking
Set a rent due day on any tenancy and Debbie generates each period's expected rent automatically, roughly a month ahead of when it's due, no manual re-entry every month.
Overdue rent reminders
A daily check emails a digest if rent is more than 3 days late, listing every property it's overdue on, the same reminder pattern as certificate renewals.
Rent status on the properties list
See a due date or overdue amount right on each property card, plus a full period-by-period rent history per tenancy.
Mortgage interest relief (Section 24)
Log your buy-to-let mortgage interest per property and per lender where a property has more than one. Debbie applies the Section 24 basic-rate tax credit correctly, including your share on a jointly-owned property.
Rent a Room relief
For a room let inside your own home rather than a separate property, the first £7,500 is tax-free (£3,750 if jointly let), calculated automatically.
Routes to the property return
A landlord's job costs mirror automatically into the SA105 property return instead of the sole trader SA103F.
Capital vs revenue flagging
A repair can be marked as a capital improvement rather than an everyday expense, so it's excluded correctly from both the SA105 report and your Making Tax Digital return, only relevant at eventual sale.
Optional recharge to tenant
A repair cost can be flagged as recharged to the tenant rather than absorbed as a landlord expense.
Property income allowance
Claim the flat £1,000 property allowance instead of itemising actual expenses, a one-tap election for a small or simple letting.
Renewal reminders
A daily check emails a reminder 28 days before any certificate expires, so nothing lapses silently.
Certificate costs logged automatically
The certificate's fee, if any, is logged as an allowable property expense against that property.
Scanning the certificate photo itself is covered under Smart Scanning below, this section covers what happens with it afterwards.
Invoicing
Create, send and track invoices, with PDF generation, void and a branded customer-facing view.
Design your own paperwork
Style your invoices, quotes and receipts per business: pick a colour scheme, portrait or landscape, which logo to show and where the header sits and tick which details to include, address, phone, email, bank details and notes, with a live preview. The default is a clean, professional look, so you only change what you want.
Two logos per business
Each business can carry a square icon for use in the app and a wide banner letterhead for your paperwork, so an invoice can show a proper letterhead without squashing your logo. Both are used automatically in the right places.
Take a deposit
Collect a deposit or part payment once a quote is accepted, on any job, fixed price or time and materials. It records a real paid deposit receipt, accounts for the VAT at the right point and leaves the job open with the balance worked out for you, ready to settle when the work's done.
Email, print, download or save any document
Send, print, download or save any invoice, quote or receipt as a PDF that matches your design. Save to device drops it straight into Files or Photos on a phone or downloads on a computer.
Quick payment
Record a payment against a job or invoice in a couple of taps, with an emailed receipt.
Credit notes
Issue a credit note against an invoice to correctly reduce taxable turnover.
Refunds & cancelled invoices
A dedicated view for voided invoices and refunds, kept separate from live income.
Per-business payment details
Each business can carry its own bank details, shown on that business's invoices automatically.
Invoice the balance after a deposit
A job that took a deposit can be invoiced for the balance, with the deposit shown on the invoice and credited against the total. The job knows what has already been paid, so the balance is worked out for you rather than in your head.
Multiple businesses on one account
Run several businesses (a trade and a landlord portfolio, for instance) side by side, up to three on one login, with a global switcher to jump between them.
Businesses can start, end and come back
Give a business a start date and an end date and Debbie respects both. Money from your bank is never routed to a business that has ended, past years still show it in full, and if you pick the trade back up next year you reopen it rather than starting again.
Business profiles
Each business carries its own name, logo, address, trade type and branding.
Per-business scoping
Every customer, job, invoice and report is scoped to the correct business automatically, nothing bleeds between businesses on the same account.
Cross-business duplicate detection
Adding a customer that already exists under a different business on the same account gets a heads-up nudge rather than silently creating a second, disconnected record.
Customer notes & restore
Keep freeform notes on a customer record and recover one that was previously deleted rather than losing its history for good.
Look back at any tax year
Pick a past year on the dashboard and it stays useful: filed or not filed with the date and the amount paid, a countdown to the deadline if it is still open, that year's profit and quick actions. Only years you could actually have traded in are offered, so there is never a false late warning for a year before you started.
Tax Pack chooser
Build a year-end zip with exactly what you or your accountant need: tick everything or pick from the Accountant Pack PDF, figures spreadsheet, receipt photos, invoices, mileage log, working from home hours, property income and costs and bank transactions.
Tap any tax figure to see what is behind it
Every line on the Tax Return tab drills down to exactly the transactions that make it up, in plain English with no box numbers on screen. The box numbers live in your Accountant Pack, where the person copying them across needs them.
Accountant Pack
A single UK-flavoured export, tax return box numbers included, built for handing straight to a UK accountant at year end.
Profit & Loss Statement
A plain-English income, expenses-by-category and net profit statement, no tax return box numbers, in the account's own currency. This is what a non-UK account gets instead of the Accountant Pack, see Works Worldwide.
Finances overview
Income, expenses and profit at a glance, filterable by business and by month.
Data export
A full personal data export, covering GDPR subject access requests.
Money in and money out, per business
The dashboard shows what came in and what went out with one card per business, so a second trade never hides inside a single total, and the estimate says plainly whether you owe or are owed.
Morning job reminders
An email every morning listing exactly what's booked in for that day, times and customers included, for anyone who's given a job a date.
Configurable invoice payment reminders
Choose to send a reminder email 7, 14 or 30 days before an invoice's due date, one reminder per invoice, timed however suits.
Automatic overdue invoice flagging
An unpaid invoice past its due date flips to overdue by itself, every morning, so the dashboard and finances are never showing a stale status.
Yearly mortgage statement reminder
Once a year Debbie reminds landlords to upload their latest mortgage statement, so the interest for the Section 24 relief is captured and never missed.
Account retention & deletion automation
A closed account gets a 7-day warning, then a final 1-day warning, then is anonymised automatically on schedule, covering the GDPR side of account closure without anyone having to remember to action it.
Reminders on your phone
Turn reminders on and Debbie buzzes your phone before a tax date lands and when a job is coming up. Nothing is ever sent unless you ask for it, and it is per device, so it is only the phone you chose.
Tax dates named by what they are
Every deadline says what it is for and which tax year it belongs to, rather than a bare date, so you always know what you are being reminded about.
A free month that starts itself
Finish setup and your free month begins on the spot, no card and no checkout. Add a card only if you decide to stay and you never pay before the month is up. Then a monthly or yearly plan, managed through Stripe.
Setup in about 90 seconds
Debbie assumes the usual answers, you only tap what is different. VAT, CIS, Scottish tax, student loan and Child Benefit sit on one screen, your country is guessed from your phone and one plain question, will you bill customers with quotes, jobs or invoices, shapes the whole app. No address is asked for until you first want it on an invoice and then only once. New users also get a few friendly tips on the dashboard for their first week.
Referral & loyalty rewards
Earn a discount for referring another trader. Reach 12 active paying referrals and your own subscription is free for as long as you keep them, with a 14-day grace period if the count briefly dips. Stay subscribed twelve months running and a free month is applied automatically too, every anniversary after that, no manual claim needed either way.
Sign in with Google
Sign up or log in with a Google account instead of a password.
Notification preferences
Choose whether to get email alerts for invoice payments and overdue accounts and whether to receive occasional product update emails, on by default.
Account security
Change password from within the app or close the account entirely with a typed confirmation step before anything is actioned.
Cancel and keep your data
Cancelling never deletes anything. You keep read-only access to everything, can download it any time and can resubscribe whenever you like and pick up right where you left off.
30-day change of mind
If you ever ask to close your account you have a full 30 days to change your mind. Just log back in and choose Keep my account and nothing is lost.
Support access control
You decide whether Debbie support can securely open your account to help fix an issue. Off by default, for your privacy, and you turn it on only if you ask us for help.
You can see when support is in your account
If you have left support access on and Debbie support opens your account to help, an amber bar sits on every screen saying so and when the session ends. Nothing happens in your account without you being able to see it happening.
Full use outside the UK
One setting, "I file UK tax", controls everything. Switch it off and Debbie hides every UK-only tax module (VAT, CIS, MTD) and unlocks a country and currency picker instead, invoicing, job tracking, banking and multi-business all keep working exactly as normal, no UK tax filing required to use the app.
191-country coverage
Every country gets its own real, researched currency and address terminology, region and postcode fields shown in that country's own genuine native term rather than a generic English translation.
Local bank details worldwide
IBAN and BIC/SWIFT, a US routing number, an Australian BSB or a generic bank code, whichever fits the account's own country, shown correctly on invoices, invoice emails and the downloadable invoice PDF.
Profit & Loss export for any accountant, anywhere
A non-UK account still gets a proper Profit & Loss Statement PDF, income, expenses by category and net profit, with no UK tax terminology at all, ready to hand to a local accountant to work out tax in their own country.
FAQ
A searchable help centre on our website covering common questions about Debbie, Making Tax Digital and UK tax.
Contextual help bubble
A floating help button on every screen that explains what that specific screen does in plain language. It knows which tab is open and what kind of business you are running, so a landlord is never told to start a job and a driver is never told to send a quote.
Patch notes
A changelog of what's new, visible in-app and sent out as an email digest, grouped by month so recent updates are easy to scan and older ones collapse out of the way as the list grows.
Terms and Privacy
Terms of Service and Privacy Policy, each on its own page, with an in-app notice shown if they change.
Feedback & bug reports
Report a bug or send feedback straight from the app.
Service status page
A public page at debbieapp.co.uk/status showing whether Debbie is working right now: the servers, the database, files, email, payments, HMRC and the app itself, each with a plain sentence. It is hosted separately from the app on purpose, so it stays up when the app does not. If something in the app fails because of a connection problem, the message offers you a link straight to it.
See what changed in the Terms, and when
Every version of the Terms and the Privacy Policy has a dated entry saying what changed in it. When you are asked to accept an update you can read exactly what is different rather than taking it on trust.
Every feature above is included. Your first month is free, no card needed. Add a card only if you decide to stay.
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