Start your business here, and pay less tax from day one.
Twelve steps, all in one place: pick the structure that saves the most tax, check your name against the real register, grab a free domain, design your logo, build your website and social pages, then register direct with the government.
You file it yourself, direct with the government. No middleman fees.
- 12
- steps, from name to launch
- £0
- middleman fees, you file it
- 5
- countries, your rules only
- 1
Step 1: your structure
Pick the form that saves the most tax
Sole trader, limited company or trust, set against your real profit. See the yearly saving before you register anything.
Compare structures - 2
Step 2: your name
Name, domain and logo, done here
Check your name against the live Companies House register, get AI ideas, match a free domain, then design a logo you can download.
Check your name - 3
Step 3: register it
File it yourself, with no middleman fees
The official forms, the real cost and the papers you need in all five countries, plus the grants you could claim.
See the steps for your country
The six questions people ask us most
See every topic
How do wealthy people do it?
The moves the wealthy actually use
Borrowing against assets, companies, pensions and timing. What each one saves, and which ones work on your numbers.
Open it
Can I pay zero tax abroad?
Low tax and no tax countries
Where income tax is nil, the days you must spend there, what it costs, and the exit charge before you leave.
Open it
My bank closed my account
Foreign banking, and banking after a refusal
Where non residents can still open an account, your rights when a bank says no, and the paperwork that gets a yes.
Open itSole trader or a company?
The profit level where a company wins
Your real yearly running costs set against the tax difference, for all five countries.
Open it
Trusts and inheritance
Passing money on without losing a slice
Gifts, trusts, property and life cover, in the order that protects the most for your family.
Open it
Could I qualify for a grant?
Grants and reliefs nobody tells you about
Funding and reliefs across five countries, each with the form, the closing date and the official page.
Open itWhat are you wondering about?
Every question here opens the page that answers it. The same questions drift around inside the panel above, and stop the moment you point at one.
20 questions, every one a real page.
Explore all topics- Am I paying too much tax?Tax planning
- What expenses can I claim?Claims and reliefs
- What money am I missing?Missed money
- How much tax do I actually pay?Calculator
- When is my return due?Deadlines
- Can you help me fill my return?Return builder
- What do these payslip codes mean?Payslip decoder
- Sole trader or a limited company?Business structure
- Could I qualify for a grant?Funding
- What's changed in tax law?Rule updates
- Where can I get tax help?Advice
- Should I move my business?Moving a business
- What if I move abroad myself?Relocation
- Are there countries with no income tax?Low tax places
- Is offshore legal for me?Offshore
- My bank account was refused. Now what?Banking
- Which business account costs me least?Business banking
- I cannot pay my tax bill. What are my options?Tax bill help
- How do I pass money on to family?Legacy
- What do I get if I join?Membership
Choose your country and see only your rules
Own rates, forms, deadlines and savings. Nothing from the other countries gets in the way.
United Kingdom
Tax year 2025/26. Filed with HMRC.
Open United Kingdom
United States
Tax year 2025. Filed with the IRS.
Open United States
Australia
Tax year 2025-26. Filed with the ATO.
Open Australia
Canada
Tax year 2025. Filed with the CRA.
Open Canada
New Zealand
Tax year 2025/26. Filed with Inland Revenue.
Open New ZealandNew for members: Credit builder
Fix your credit and pay less to borrow
A better score means cheaper loans, cards and mortgages. Upload your credit file, get a plain-English fix plan with dated monthly steps, and track your score as it climbs. Or let M3CA handle it for you.
AI reads your file
Spots what is hurting your score and what looks wrong.
Monthly fix plan
Dated actions for the next 12 months, with tick boxes.
Score tracker
Log your score each month and watch the line rise.
M3CA does it for you
Letters and lender calls handled, quote on request.
Why five countries?
See the UK, US, Australia, Canada and New Zealand side by side, with fun facts, simple pros and cons, and help to start a business abroad with grants and loans. More countries are coming.
Real situations, worked through
See what someone in your position saved
A landlord, a contractor, a family passing on a home. Each one shows the relief used, the form it went on, and the money kept.
Free, no account
Every question, calculator and deadline, with your result on screen.
Free account
Your answers and checklists kept, on any device, plus deadline alerts.
Membership, 1 day free
£8.99 a month or £79.99 a year: saved plans, return builders and adviser briefs.
All twelve steps, in the order that saves most
Structure, name, domain, logo, registration, funding. Each step shows the official page, the real cost and what to do if it is refused.
Open your free account and start keeping more of your money
Anyone can join. No invite and no referral link. Your account saves your plan, your figures and your deadlines, and the monthly membership starts with 1 day free.
- Your savings plan saved and reopened on any device
- Deadline reminders so a late return never costs you a penalty
- An alert when a rate or allowance you rely on changes
Create my account
Already with us? Sign in. Signing up is free and no card is asked for.
Your numbers stay private
Bank grade security for the most private figures in your life
How we protect you- Encrypted and locked to your account
- Never sold, never shared with advertisers
- PayPal handles payment, your card never touches us
- Download or delete everything, any time