Cash planning for UK small businesses
Know what's actually yours to spend.
Putby sets aside what your business owes, from VAT and corporation tax to PAYE and the bills already on their way, so the number you look at is the one you can safely spend, invest or pay yourself.
Built for sole traders, company directors and small teams. Works with FreeAgent.
Join the waiting listYour bank balance isn't wrong. It just isn't the whole story.
£18,400 in the business account feels comfortable, until you remember the VAT return due next month, the corporation tax bill in the spring and payroll on the 28th. Most owners carry those numbers around in their head, or in a spreadsheet they mean to update.
Putby keeps track of them for you, so you can make decisions with a clear head rather than a rough guess.
How it works
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1
Connect FreeAgent
Putby reads your balances, invoices, bills and tax figures from the books you already keep. There's nothing to re-type.
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2
Put it by
Every pound gets a job: VAT, corporation tax, PAYE, self assessment, and the bills coming up. Putby suggests how much to set aside, and you stay in charge of the decisions.
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3
See what's free
One clear figure for what's genuinely yours, today and for the months ahead, so you know when you can hire, invest or pay yourself.
No surprises at tax time
VAT, corporation tax and payments on account are set aside as you earn, not scrambled for when the deadline arrives.
Pay yourself with confidence
Know how much salary or dividend the business can afford before you take it, rather than working it out afterwards.
See the months ahead
A forecast built from your real invoices and bills shows how much cash you'll have and when things will get tight.
Made for how UK businesses work
VAT quarters, HMRC deadlines, payroll dates, directors' loans. Putby speaks the same language as your accountant.
put by verb to set something aside for later.
It's what careful people have always done with money. Putby just makes it easy for your business.
Be among the first to use Putby
We're building Putby now and will open it to a small group first. Join the waiting list and we'll let you know when your place is ready.
Questions
Is Putby an accounting package?
No. Keep FreeAgent for your bookkeeping. Putby works alongside it and answers a different question: how much of this money can I actually use?
Do I need FreeAgent?
At launch, yes. FreeAgent is the first accounting package Putby connects to, and others, including Xero, are on the way. Tell us what you use when you join and it will help us decide what comes next.
Does Putby move my money?
No. Putby never moves money or makes payments. It shows you what to set aside, and whether you move it into a separate tax or savings account is up to you.
Who is Putby for?
Sole traders, contractors, limited company directors and small teams in the UK: anyone who has looked at the bank balance and wondered how much of it is really theirs.
Who's behind it?
Putby is made by AppCoder Software Ltd, a small UK software company. We're building it because we needed it for our own business.