Been building a Tax assistant over the last few weeks, the new digital quarter tax is a bit of a issue with us self employed, I’ve set up my own system to fix and automate it, uses WhatsApp or Nextcloud talk to advise and upload receipts/ invoices, it’s currently building its own tax brain this week, getting smarter by the day. Hopefully by the end of the month it will do my tax return for me, keep my digital records for 5 years in it’s own private ai tagged cloud file system and give me legal tax loophole advice when I get near the limit. It can handle paye, cis and vat.
Spark Accounts System Overview
Spark Accounts is an AI-powered UK tax accounting system built on the Agent Zero framework. Designed for self-employed tradespeople (plumbers, electricians, builders, etc.), its core philosophy is “Snap it, forget it, sorted” - eliminating manual data entry and accounting complexity for Making Tax Digital (MTD) compliance starting April 2026.
Available Tools (20+)
Tax-Specific Tools:
∙ receipt_ocr / ocr_fallback - Image text extraction
∙ expense_categoriser - HMRC box mapping
∙ mileage_calculator - Business mileage tracking
∙ cis_handler - CIS payment processing
∙ tax_pot_estimator - Live tax liability
∙ vat_strategist / vat_windfall_scanner - VAT optimization
∙ quarterly_reconciler - MTD preparation
∙ self_assessment_prep - SA103F pre-population
∙ knowledge_scraper - Scrapes gov.uk for tax guidance ∙ cash_flow_forecaster - Income projections
External Integrations
∙ WhatsApp Cloud API - Receipt photos and voice notes via mobile
∙ GoCardless Open Banking - Bank feed sync (Barclays, HSBC, Starling, Monzo, etc.)
∙ Any - LLM provider (supply your own api key)
∙ HMRC API - Planned Phase 2 for direct MTD submission
∙ Nextcloud Talk - Chat-based interaction
Key Features
1. MTD Compliance - Quarterly deadline tracking with soft-landing period awareness (2026/27)
2. Voice Expenses - Process expenses via WhatsApp voice notes
3. Bank Reconciliation - Auto-matches transactions every 4 hours
4. Job Costing - Track profitability per job with margin warnings
5. VAT Windfall Scanner - Finds 4-year backdatable VAT reclaims
6. Equipment Reminders - MOT, insurance, certification calendar
7. Client Management - CRM with payment rating tracking
Knowledge Base
The system maintains a scraped knowledge base from gov.uk covering: ∙ Self Assessment deadlines and payments
∙ Allowable expenses and capital allowances
∙ VAT registration, rates, and schemes
∙ Construction Industry Scheme guidance
∙ National Insurance rates
∙ Current tax thresholds
All indexed in Qdrant for semantic search during agent interactions.