Frequently asked questions

The Director Decision Ledger is a structured record of every financial decision you make through Cledo.tax (salary, dividend, pension, expenses, loans). Each entry includes the decision type, exact inputs, calculations, risk grade, and a timestamped audit trail. It replaces ad-hoc spreadsheet tracking with a permanent, reviewable record.

Your company is evaluated across reserves, liabilities, VAT status, and upcoming deadlines. The result is one of four states: CLEAR (safe to proceed), CAUTION (review before acting), BLOCKED (do not extract funds), or REVIEW_REQUIRED (escalate to accountant). The state updates automatically as your financial picture changes.

Proof Packs are timestamped evidence documents that prove a decision was correct at the time it was made. They record inputs, calculations, risk grades, and company state at the time. You can download them as Markdown or CSV for your records, tax filing proof, or to share with an accountant.

Yes. Under the Pro + Review plan, you can input your accountant's email and generate a secure magic-link token to invite them. They can view the decision inputs, outputs, guidelines, and leave an official sign-off or notes without needing a client account.

No. Cledo.tax uses deterministic software calculations based on UK tax rules and rates. We do not provide discretionary tax advice or file accounts. We provide a decision platform with guardrails and proof generation.

We offer three simple tiers: Starter (£0/mo) for logging basic ledger decisions, Pro (£19/mo) for full automation, tax engine, and unlimited Proof Packs, and Pro + Review (£49/mo) which adds external accountant magic-link review queues.