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November 23, 2022
November 23, 2022

How does Earnr work?

Desiree Weimann
Desiree Weimann
Are you curious about Earnr but don't know how it works? Here is everything you need to know about our service and how to get started with us.
Earnr is the finance and tax companion for the self-employed and side hustlers. We give you more time to run your business. Download Earnr for free on iOS. Need tax advice now? Ask Earnr AI, our new AI tax assistant

Earnr automates tax for side hustlers and the self-employed. We help our customers spend less time on day-to-day admin and more on tasks that spark joy or generate revenue.

Understanding how much tax to declare and submitting a tax return can be stressful and complicated - but it doesn't need to be.

We enable our customers to keep track of their incomings and outgoing, classify their transactions, and automate their tax returns, all via an easy-to-use app.

How do I sign up for Earnr?

The first step is downloading the Earnr app. You can do it here!

Once you get it, the registration process is very straightforward.


1.   Insert your email address and the verification code or register with Gmail or Apple

2.   Choose your passcode and enable face/touch ID

3.  Create your profile: at this stage, you’ll be asked for your full name, what best describes the nature of your business, and what you want to use Earnr for.

If you select “Limited Company”, make sure you only use Earnr for your Self Assessment tax return as director. We can’t do your tax return for your limited company just yet.

4.  Connect your bank account: after inserting your details, you’ll need to confirm this operation through your bank app.

You can skip this if you prefer to check out the app first and add your bank account later.

5.   Fetching of all your transactions: after recovering them, we’ll group your transactions by the most common merchants. Here, you’ll need to select your business income and expenses.

After this step, you’re in and can now benefit from the Earnr app features.

Is it safe to share my bank account/s and transactions?

We understand the concern arising from sharing your bank details with us, but we can assure the Earnr app is more than safe.

Specifically, we just have read-only access to your bank account/s, meaning that we can present your transactions to you but never make any changes, payments, or withdrawals from your account. Moreover, this process is built on Open Banking, used by over 3.5 million people in the UK, and regulated by the Financial Conduct Authority (FCA) and Information Commissioners Office (ICO) to safeguard your privacy.

Your account will remain connected to Earnr for 90 days unless you re-connect, and you can delete your account at any time and your data deleted.

Lastly, you cannot make or receive payments in the Earnr app.

What are the Earnr app features?

Once you’ve connected your bank account/s, you’ll have access to your business insights, where you can see your business income, expenses, and profit for the year based on your transactions. We will also provide you with a graphic representation of your income to help compare your business performance by month and year.

Moreover, you can manage your transactions and add other bank accounts from the dedicated window on the app at any time.

If you want to submit a tax return via the Earnr app, you just need to click on the “Taxes” section and insert your HMRC details.

Don’t worry if you don’t have them! You can register with HMRC for free directly through Earnr. After registering, you can easily monitor your steps to submit your Self Assessment tax return.

If you need any help at any stage, just go to the “Help” section, where we’ll be happy to help you with your query.


With the Earnr app, you’ll also have access to Learnr, our education hub, where you can find short videos (all under a minute) about tax essentials that will help you become more confident in managing your tax returns.

Our Plans

Even when it comes to tax admin, not everyone has the same needs. For this reason, we offer three plans to match our customers’ diverse needs.

Earnr Side Income

Our first plan is perfect if you’ve just started your self-employment or side hustle. You can connect your bank account/s, categorise your transactions, and store your receipts and notes for free. You’ll also have access to Learnr and your business insights, such as income, expenses, and profit to date, as well as a monthly personal email report.

Side Income will also provide you with a tax estimate and the possibility to register for a UTR number directly from the Earnr app.

Don’t worry if you feel a bit lost! You’ll also have access to our support chat at any point.

Earnr Sole Trader

If you’ve earned between £1,000 and £10,000 in revenue through self-employment, Sole Trader is for you! It includes free use of the Earnr app and features, as our Side Income plan, but it provides you with an automated tax return for a flat fee of £99.

Earnr Pro

Earnr Pro is our biggest and best product, perfect if you earn more than £10,000 a year or expect a refund from HMRC. It doesn’t just include everything from Earnr Side Income and Earnr Sole Trader, Pro also provides you with a personal accountant, automated bookkeeping, priority support, and guidance for £29.99 per month.

Moreover, you won’t have to deal with HMRC ever again! We’ll become your agent and deal with any communication from HMRC on your behalf.

Find out more about Earnr Pro here!

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