Built by a Chartered Accountant
with 40 years in the trenches
Stop forcing sole traders into enterprise software. Avona gives
your practice a clean, agent-controlled MTD platform that your micro-clients will actually use.
You're in expert hands. Trusted by top companies around the world.
You're in expert hands. Trusted by top companies around the world.
Our mission
Empowering smarter financial decisions for everyone and easily.
We’re here to help people stop guessing and start growing. With the power of AI, Spendex turns raw data into insights, transactions into trends, and budgets into better outcomes — all in real time.
Who We Are
Team of fintech innovators, engineers, and finance enthusiasts
With deep expertise in artificial intelligence, financial technology, and user experience design, we’ve built Spendex to be intuitive, fast, and truly helpful — not just another tracker.
Insights Generated
Forecasting Accuracy
Increase in Savings
Categorized by AI
Key Benefits
Key Benefits of Spendex
Control your money smarter with Spendex — the SaaS wallet designed to grow, adapt, and simplify your financial lifestyle.
AI-Driven Insights
Understand your finances faster with intelligent breakdowns.
Effortless Organization
Auto-categorize and sort expenses without manual entry.
All-in-One Finance
Create and stick to realistic goals backed by AI predictions.
All-in-One Finance
Create and stick to realistic goals backed by AI predictions.
our Team
Meet Our Amazing Team
Meet the minds behind Spendex — innovators dedicated to making money management simple and smart.
Annette Black
The Walt Disney Company
Annette Black
The Walt Disney Company
Jeson Parker
Lead Renewable Energy Engineer
Jeson Parker
Lead Renewable Energy Engineer
Ethan Clarke
Chief Executive Officer
Ethan Clarke
Chief Executive Officer
Leo Torres
Client Solutions Specialist
Leo Torres
Client Solutions Specialist
Testimonials
What Our Users Say
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
Exceptional Support Team
“They’re always ready to assist and ensure we get the most out of every feature, making the entire experience smooth, valuable, and enjoyable.”
David Chen
Plumber & Sole Trader
Like Having a Superpower
This app has revolutionized my daily routine. I save hours every week, and I finally feel on top of my tasks. It’s not just a tool—it’s a game-changer
Leo Franci
Bussines Owner
Unlocking Opportunities
The AI recommendations helped us identify trends we never noticed before. It’s like having a crystal ball for our business strategy.
Daniel Lee
Plumber & Sole Trader
FAQ
Frequently Asked Questions
Need help? Our FAQ section covers all the basics to guide your Spendex experience smoothly.
FAQ
Frequently Asked Questions
Need help? Our FAQ section covers all the basics to guide your Spendex experience smoothly.
How does the AI in Spendex work?
Is Spendex free to use?
Is my financial data safe with Spendex?
What accounts can I connect to Spendex?
Can I manage multiple wallets or users?
What insights does Spendex provide?
Can I collaborate with others on my account?
What happens if I cancel my subscription?
Is there a mobile app for Spendex?
How do I contact support?
Can I try Avona before I commit to a subscription?
What is the difference between Avona Lite and Avona Pro?
Am I tied into a long-term contract?
What payment methods do you accept?
How do I cancel my subscription?
What happens to my data if I cancel my account?
What if my bank connection expires?
Does Avona handle Jointly Owned Properties?
What is the difference between Avona Lite and Avona Pro?
Does Avona replace my accountant?
How does the AI in Spendex work?
Is Spendex free to use?
Is my financial data safe with Spendex?
What accounts can I connect to Spendex?
Can I manage multiple wallets or users?
What insights does Spendex provide?
Can I collaborate with others on my account?
What happens if I cancel my subscription?
Is there a mobile app for Spendex?
How do I contact support?
Can I try Avona before I commit to a subscription?
What is the difference between Avona Lite and Avona Pro?
Am I tied into a long-term contract?
What payment methods do you accept?
How do I cancel my subscription?
What happens to my data if I cancel my account?
What if my bank connection expires?
Does Avona handle Jointly Owned Properties?
What is the difference between Avona Lite and Avona Pro?
Does Avona replace my accountant?
How does the AI in Spendex work?
Is Spendex free to use?
Is my financial data safe with Spendex?
What accounts can I connect to Spendex?
Can I manage multiple wallets or users?
What insights does Spendex provide?
Can I collaborate with others on my account?
What happens if I cancel my subscription?
Is there a mobile app for Spendex?
How do I contact support?
Can I try Avona before I commit to a subscription?
What is the difference between Avona Lite and Avona Pro?
Am I tied into a long-term contract?
What payment methods do you accept?
How do I cancel my subscription?
What happens to my data if I cancel my account?
What if my bank connection expires?
Does Avona handle Jointly Owned Properties?
What is the difference between Avona Lite and Avona Pro?
Does Avona replace my accountant?
Ready for Making Tax Digital for Income Tax?
If you’re a sole trader or landlord, the rules change on 6 April 2026 with the rollout of Making Tax Digital for Income Tax. You are legally required to switch to HMRC-Recognised software like Avona if your qualifying income was over £50,000 in the 2024/25 tax year.
Remember, HMRC calculates your qualifying income from your gross turnover across all your sole trades and rentals. That means all the money you brought in before deducting expenses, not your final profit.
Ready for Making Tax Digital for Income Tax?
If you’re a sole trader or landlord, the rules change on 6 April 2026 with the rollout of Making Tax Digital for Income Tax. You are legally required to switch to HMRC-Recognised software like Avona if your qualifying income was over £50,000 in the 2024/25 tax year.
Remember, HMRC calculates your qualifying income from your gross turnover across all your sole trades and rentals. That means all the money you brought in before deducting expenses, not your final profit.
Ready for Making Tax Digital for Income Tax?
If you’re a sole trader or landlord, the rules change on 6 April 2026 with the rollout of Making Tax Digital for Income Tax. You are legally required to switch to HMRC-Recognised software like Avona if your qualifying income was over £50,000 in the 2024/25 tax year.
Remember, HMRC calculates your qualifying income from your gross turnover across all your sole trades and rentals. That means all the money you brought in before deducting expenses, not your final profit.