Your bank account holds your money. Kit understands it.
The AI bookkeeper for UK short-let operators. Connect your bank with Open Banking or upload a statement, add your PMS export, and see your real profit per property in 60 seconds.
Every number. In one place.
Your Monzo shows £11,235 in and £13,198 out. It looks like you're losing money. You're not. You just can't see it. Kit can.
Same money. Two different stories.
A real UK operator's April bank statement — what their bank sees vs what Kit sees.
Your bank says you spent £1,963 more than you earned. Which property made money? Which lost? How much tax do you owe? No idea.
You made £1,151 profit. Harbour View Cottage is your best performer at 49.7% margin. The Old Bakehouse needs a pricing review at 21%. Your director's loan is £1,937 overdrawn — Kit warned you before your accountant would.
Kit learns. Kit remembers. Kit explains.
Not a categoriser that guesses each month. A bookkeeper that becomes specific to your portfolio over time.
Learns from every correction. Re-categorise a Tesco run as personal once and Kit handles the next one without asking.
Detects recurring payments. Subscriptions, your accountant, your cleaner — tagged before they hit your review queue.
Links transfers and refunds. Money moving between your own accounts cancels out. Refunds are paired with the original purchase so totals stay honest.
Shows its working. Every transaction has a source, a confidence score, and a reason — your accountant can audit any line in seconds.
Built on HMRC guidance. Not on guesses.
Kit applies the rules your accountant would apply — at the moment a transaction lands, not nine months after year-end.
Allowable vs disallowable. Repairs and maintenance go through the P&L. Personal entertainment doesn't. Kit knows the difference.
Capital vs revenue. Replacing a worn-out boiler is an allowable repair. Upgrading to a better one has a capital element. Kit flags it for you.
Director's loan & S.455. Personal drawings land in your DLA, not your P&L — with a persistent S.455 warning if you'd be liable at year-end.
FHL transition, mortgage interest, MTD. The current rules, applied automatically, with explainability your accountant can verify.
Capture. Categorise. Comply.
Three steps between you and never reconciling a bank statement again.
Connect your bank with Open Banking for a live feed, or upload a CSV/PDF statement. Add your PMS financial export and Kit extracts every transaction, matches Booking.com reservation references, and identifies Airbnb payouts by date and amount.
Kit's AI knows the difference between an allowable repair and a capital improvement. It separates business from personal, splits revenue by property, calculates your director's loan, and flags ambiguous transactions for your review.
Real-time corporation tax provision. Director's loan position with persistent S.455 warnings that stay in your notification tray until you act on them. Year-end export straight into Xero, QuickBooks or Sage — your accountant uses it in an hour, not a week. MTD-ready from day one.
Save thousands. Get better data.
Typical annual finance costs for a 12-property operator.
With better data than your bookkeeper ever produced.
However you operate, Kit gets it.
Kit understands the financial reality of every type of short-let operator — because it was built by one.
You own properties and list them on Airbnb, Booking.com, or direct. Kit shows you revenue per property, categorises every expense, calculates your taxable profit, and tracks your director's loan — so you know exactly what you're making and what you owe HMRC.
You rent properties from landlords and sublet as short-lets. Kit tracks your rent payments per property against the revenue each one generates, showing you true profit per unit after rent, cleaning, and overheads. It flags when a property is costing you more than it earns.
You manage properties on behalf of owners and take a commission. Kit auto-splits every payout between your management fee (taxable revenue), operating costs (deductible), and owner pass-through (not your revenue). HMRC sees exactly whose money is whose.
Your bank. Your PMS. One dashboard.
Connect your bank with Open Banking for a live feed, or upload a statement. Add your PMS export. No migration, no switching — Kit adds the intelligence layer on top.
Connect your business bank in seconds via Open Banking (TrueLayer, FCA-authorised). Transactions sync automatically and get categorised in real time. Prefer not to connect? Upload a CSV or PDF statement instead — Kit auto-detects the format. Read-only access either way: Kit never moves your money.
Upload your financial export CSV from any major PMS. Kit auto-detects the format, maps listings to properties, and attributes revenue per property — including booking dates, guest names, OTA source, and commission breakdowns.
Your financial infrastructure, built in.
Kit is growing beyond uploads. Soon, every penny flows through Kit automatically — a dedicated financial account, a branded card, and cash advances when you need them.
A dedicated financial account with its own UK sort code and account number. Set it as your OTA payout destination on Airbnb, Booking.com, and VRBO. Revenue arrives and Kit categorises it in real time. Sweep profits to your personal bank whenever you want.
A Visa debit card linked to your Kit Account. Use it for property expenses — cleaning supplies, maintenance, linen. Every tap is auto-categorised and allocated to the right property. Issue sub-cards for staff with spend limits and category restrictions.
Cash flow tight between bookings? Access funds against confirmed future reservations. One flat fee, no interest, no early repayment charges. Repaid automatically from incoming payouts. Available once you've built 3 months of history on Kit.
Kit Visa Debit · Issued by Stripe Payments UK, FCA-authorised · Physical & virtual cards available
£10k hits your account. How much is yours?
If you manage properties for owners, you know the problem. The full guest payment lands in your account — but only a fraction is your revenue. Kit separates it automatically.
Your bank shows £850 in. HMRC thinks it's all your revenue. Your accountant spends hours proving £600 belongs to the owner.
Revenue is automatically split the moment the payout arrives. Your accountant gets a clean report showing £170 management fee income, £80 deductible expense, and £600 owner pass-through — clearly documented.
What your bank, PMS, and ChatGPT can't do together
Kit is the only product that stitches your bank data and PMS data into a single property-level financial view.
Kit knows your properties, landlords, staff, and preferences. It learns from every correction. ChatGPT forgets when you close the tab.
Your PMS knows revenue per property. Your bank — live via Open Banking or uploaded — knows expenses. Only Kit combines both into a complete property-level P&L.
Real-time DLA position with persistent S.455 tax warnings in your notification tray. No bank, PMS, or generic AI tool does this. Your accountant tells you 9 months too late.
FHL abolition rules, allowable repairs vs capital improvements, Making Tax Digital compliance, corporation tax provisions — all built in.
For property managers: Kit auto-splits revenue between your management fee, operating costs, and the owner's money. HMRC sees exactly what's yours.
"Why is my profit so low?" "Which property is underperforming?" Kit answers with your real data — not generic advice.
We take security as seriously as your accountant should.
You're uploading financial data. We know that's a big ask. Here's exactly how we protect it.
All data is encrypted in transit (TLS 1.3) and at rest (AES-256). Your bank statement data is processed and stored on Supabase infrastructure with SOC 2 Type II compliance.
We never sell, share, or use your financial data for anything other than running Kit for you. Your data is never used to train AI models. Delete your account and everything is permanently removed.
Whether you connect your bank with Open Banking or upload a statement, Kit only ever reads. It cannot move your money or initiate payments, and never has your bank login credentials — Open Banking auth is handled by TrueLayer (FCA-authorised). Disconnect any time.
Fully UK GDPR compliant. Stallion Company Ltd is registered with the ICO. Financial infrastructure provided by Stripe, authorised by the FCA. We're built on regulated, audited platforms.
Every piece of data in Kit is isolated to your account. Database-level security policies ensure no user can ever see another user's financial data — even if there were a software bug.
Kit is built by someone who managed 67 short-let properties and uploads their own financial data into Kit every month. We use what we build. Your data matters because our data is in there too.
Simple pricing. No surprises.
We're finalising pricing based on early access feedback. Here's where we're headed.
Try Kit with a single bank statement upload. See what your finances really look like.
- 1 statement upload
- Auto-categorisation
- Dashboard overview
- Ask Kit (5 questions)
Everything you need to replace your bookkeeper. Unlimited uploads and properties.
- Live bank feed (Open Banking) + unlimited uploads
- Unlimited properties
- PMS integration (Guesty, Hostaway, Hospitable)
- Per-property P&L
- Bank ↔ PMS reconciliation
- Director's loan tracking
- Persistent S.455 & MTD warnings
- Review queue for ambiguous transactions
- Ask Kit unlimited
- Xero, QuickBooks & Sage export
For management companies with 20+ properties. Kit Card, advances, and owner portals.
- Everything in Pro
- Kit Card (Visa debit)
- Cash advances on bookings
- Automated owner statements
- Sub-cards for staff
- Multi-user access
See what your properties actually make.
Sign up, connect your bank with Open Banking (or upload a statement) and add your PMS export. Your dashboard is ready in 60 seconds. Free to try — no card required.
No spam. No card required. Cancel anytime.