Sole Trader
Keep records, send invoices, understand cash flow and stay ready for Making Tax Digital.
Plans: Sole Trader Free · Sole Trader · Sole Trader Start
Explore Sole TraderCherry Money with AI
AI-powered finance software for every stage of business.
From first invoice to confident growth. Cherry AI helps reduce admin, surface what matters, and keep your banking, tax and reporting workflows under control.
Ask
Cherry Finance guidance that turns your live numbers into a clear next step.
Cherry Finance guidance that turns your live numbers into a clear next step.
Live finance briefing
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You asked
What needs my attention this week?
Reading invoices, bank activity and upcoming bills
Three overdue invoices are the quickest way to protect next month's cash position.
Overdue£8,420
Cash runway74 days
Due this week£3,260
Cash-flow briefing · grounded in your records
Products
Choose the CherryMoney product for how you work.
Accounting
Keep invoicing, manual bank reconciliation, digital tax records and reporting together, then add automation, payroll and deeper financial control as the business grows.
Plans: Launch · Flow · Thrive · Practice
Explore AccountingPayroll
Run pay, manage PAYE and pensions, prepare RTI submissions and keep payroll records together.
Plans: Payroll Essentials · Payroll Standard · Payroll Premium
Explore PayrollAccountants
Bring review work, accounting controls, VAT, payroll, reporting and AI-assisted next steps into a connected practice workflow.
Plans: Member · Growth · Premier
Explore AccountantsApp marketplace
Integrate with 100+ apps.
Explore a marketplace of 100+ apps across payments, expenses, payroll, CRM, ecommerce, reporting and workflow automation—so Cherry Money can fit more naturally into the tools your business already uses.
Payments
Expenses
Payroll & HR
CRM
Reporting
Ecommerce
Cherry Money currently lists 120 marketplace entries. Connection availability and setup vary by provider; some integrations are request-based.
100+
Apps for the way you work.
Find tools that can connect finance, sales, people and operations around one accounting workspace.
Sign up to explore apps
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example financial health score
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sample invoice payment visibility
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score lenses for smarter decisions
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workspace for banking and business finance
Financial scoring
Personal, invoice and business health explained in plain English.
Score cards make the product feel closer to MyFinScore: fast to understand, transparent about what changed, and directly tied to practical CherryBank actions.
Money score
Overall health from balances, liabilities, cash timing and recurring commitments.
Invoice score
Tracks payment speed, overdue exposure, tax readiness and client concentration.
Savings score
Shows how deposits and liquidity can cover the next few months of activity.
Business score
Highlights treasury pressure, reporting hygiene, forecast confidence and growth room.
Platform
Built like a proper operating system for small business finance.
Sage's strength is confident product organisation. This redesign brings that structure to Cherry Money: dashboard, invoicing, banking, tax, AI reports and mobile access are grouped by outcome.
Today
Finance overview
Available balance
£48,260.00
Incoming payment+£8,400
VAT returnReady
Forecast range90 days
Invoices and quotes
Create polished invoices, send reminders, track overdue work and convert quotes cleanly.
Banking and reconciliation
Connect money movement to the work behind it with bank reconciliation and payment visibility.
AI reports and forecasts
Turn invoice, expense and payment data into short, useful reports for daily decisions.
Cherry AI agents
Finance admin handled before it slows you down.
Cherry AI agents scan invoices, tax checks, payments and cash flow signals, then surface the work that needs attention with clear next steps.
Payments agent
Live
Chase overdue invoices before they pinch cash flow.
Show overdue invoices over £1,000 and draft reminders.
Hill & Co
£2,460
Bridge Studio
£1,180
VAT agent
Ready
Prepare MTD tasks from receipts, invoices and bank matches.
Find missing evidence for this return and prioritise the easy fixes.
Receipts reviewed
84%
Return status
2 checks left
Forecast agent
Scanning
Spot cash movement earlier and explain the next best action.
Compare the next 90 days against last month and highlight pressure.
Runway
117 days
Risk movement
-8%
Solutions
Choose by what you are trying to get done.
01
Start an invoice
Generate an invoice fast, then move into the full workspace when you are ready.
02Run the business
Quotes, invoices, payments, expenses, tax and dashboards in one focused product.
03Launch with confidence
Free tools for company names, VAT templates, invoice downloads and early setup.
04Talk to Cherry
Get guidance on the right plan, mobile access, tax workflow and reporting setup.
Guided intelligence
Less dashboard noise. More next-best actions.
The page now positions Cherry Money as a confident finance partner: it explains what moved, why it matters, and which workflow should happen next.
Explore free toolsFor accountants & bookkeepers
One calm view across the clients who count on you.
CherryMoney helps practices move from scattered financial signals to focused client conversations, with shared insights, consistent workflows and support that grows with your portfolio.
Portfolio overview
See clients, deadlines and attention areas from one connected view.
Practice-ready workflows
Standardise reviews, reports and next actions across your team.
Partner enablement
Get guided onboarding, learning and support as adoption grows.
Accounting workspace
Run daily finance from one clean cockpit.
Track invoices, purchases, payments, products and financial health without jumping between disconnected tools.
- Sales and purchase workflows
- Client and product records
- Finance dashboard and scorecards
Plans
Start free. Upgrade when Cherry starts doing more of the finance work.
Plan names, prices, discounts, descriptions, limits and feature access below come directly from Admin.
Sole traders & small businesses
Launch
Essentials for MTD-ready records, invoicing, expenses and everyday bookkeeping without a live bank connection.
Free forever — no monthly subscription fee.
- Unlimited invoices
- 30-day cash-flow forecast
- Invoices and quotes
- Digital tax records
- Expenses and mileage
Businesses ready to automate admin
Flow
Automate bookkeeping, receipt capture, imported transaction matching and recurring finance work.
Intro offer: £1.50 per month for 3 months, then £15.00 per month.
- Unlimited invoices
- 30-day cash-flow forecast
- Invoices and quotes
- Manual bank reconciliation
- Automatic reconciliation
Growing businesses using AI-guided finance
Thrive
Popular choiceAdd deeper automation, payroll, 90-day forecasting and finance insight for a growing team.
Intro offer: £3.50 per month for 3 months, then £35.00 per month.
- Unlimited invoices
- 90-day cash-flow forecast
- Invoices and quotes
- Manual bank reconciliation
- Automatic reconciliation
Teams needing advanced financial control
Practice
Run a broader finance function with advanced reporting, controls, projects, multi-currency and deeper analysis.
Intro offer: £9.90 per month for 6 months, then £99.00 per month.
- Unlimited invoices
- Invoices and quotes
- Manual bank reconciliation
- Automatic reconciliation
- Open Banking bank feeds
Discover
Questions a customer would naturally ask.
Can I use Cherry Money for invoicing and finance scores?
Yes. The redesigned journey presents invoicing, reconciliation, reporting and financial health scorecards as one connected workspace.
Does the mobile app stay part of the offer?
Yes. The page keeps the Android and iOS app links and makes mobile access feel like part of the main product, not an afterthought.
Are the free tools still available?
Yes. Free invoice generation, VAT templates and company name checks remain linked from the primary navigation and solution cards.
Contact
Ready to make the Cherry Money experience sharper?
Send a message and the team can help with plans, setup, mobile access or finance workflows.
