# Ovaro

> Ovaro is a UK app for sole traders and trades: speak an invoice, get paid by card, log expenses and mileage, and keep Making Tax Digital-ready records.

## Pages

- [Home](/): Voice invoicing, card payments, expenses and live tax estimates for UK self-employed.
- [Pricing](/pricing): Plans and pricing — first invoice free, then £3.99/month.
- [FAQ](/faq): Common questions about invoicing, payments, tax and data.
- [Making Tax Digital](/making-tax-digital): Guide to HMRC Making Tax Digital for sole traders.
- [HMRC-recognised software](/hmrc-recognised): What HMRC recognition means and how Ovaro fits.
- [Trust & Security](/trust): Where data lives, who can see it, and our limits.
- [Open banking](/open-banking): How read-only bank connections work.

## Features

- [Smart Create](/features/smart-create): Speak or paste job details and get a finished invoice.
- [Get paid](/features/get-paid): Card payment links, Tap to Pay and automatic reminders.
- [Receipts](/features/receipts): Snap receipts and categorise expenses automatically.
- [Mileage](/features/mileage): HMRC-rate mileage tracking and claims.
- [Tax centre](/features/tax-centre): Live tax estimates and set-aside guidance.

## Free tools

- [All tools](/tools): Free UK tax and invoicing calculators.
- [VAT calculator](/tools/vat-calculator): Add or remove UK VAT.
- [Mileage calculator](/tools/mileage-calculator): HMRC approved mileage rates.
- [Self-employed tax calculator](/tools/self-employed-tax-calculator): Income tax and National Insurance estimate.
- [Late payment calculator](/tools/late-payment-calculator): Statutory interest on overdue invoices.

## By trade

- [All trades](/for): Guides for every trade Ovaro supports.
- [Electricians](/for/electricians): Invoicing and MTD for self-employed electricians.
- [Plumbers](/for/plumbers): Invoicing and MTD for self-employed plumbers.

## Optional

- [Blog](/blog): Articles on UK self-employment, tax and getting paid.
- [Privacy Policy](/privacy-policy): How we handle personal data.
- [Terms of Service](/terms-of-service): Terms of using Ovaro.