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Based in Woking, England, Earnr develops a mobile finance and tax application that automates routine administrative tasks for sole traders, creators, and small businesses operating within the gig economy. The platform utilizes secure, read-only bank account integrations to continuously track income, categorize daily expenses, calculate ongoing profits, and facilitate automated tax return submissions through a centralized interface. Operating on a freemium business model with premium subscription upgrades, the software targets self-employed individuals across the United Kingdom seeking to minimize time spent on manual transaction classification and compliance. In 2024, the enterprise executed a strategic corporate merger with the personal tax software company untied to establish the UT Tax Group, enabling both entities to share underlying platforms and technical integrations. Earnr was officially incorporated in 2020 by a collective of independent gig workers and side hustlers.
Earnr has raised $860K across 1 funding round.
Earnr has raised $860K in total across 1 funding round.
Earnr has raised $860K across 1 funding round. Most recently, it raised $860K Seed in December 2021.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Dec 1, 2021 | $860K Seed | — | 7percent Ventures, Tango.vc | Announced |
Earnr has raised $860K in total across 1 funding round.
Earnr's investors include 7percent Ventures, Tango.vc.
# Earnr: Finance & Tax Automation for the Creator Economy
Earnr is a fintech application that automates tax and financial administration for UK-based self-employed workers, side hustlers, and small business owners.[1][2] The platform addresses a critical pain point in the creator economy: the complexity and time burden of managing finances and tax compliance alongside primary employment or business activities. Rather than serving accountants or large enterprises, Earnr targets solopreneurs and gig workers who need accessible, affordable financial tools without the overhead of traditional accounting services.
The product combines digital bookkeeping, automated tax return filing, real-time tax estimation, and expert support into a single application.[1][4] Earnr's pricing model reflects its target audience—anyone earning under £3,000 from side income can file taxes for free, while those earning more pay a flat £99 fee.[1] This democratization of tax services directly addresses the friction that keeps many potential entrepreneurs from formalizing their side ventures.
Earnr was founded by a team of side hustlers and gig workers who experienced firsthand the administrative burden of balancing self-employment with full-time employment.[2] The company was incorporated on 22 December 2020, emerging during the UK's pandemic lockdowns when remote work and side income generation surged.[5] CEO Enzo Ottens and his co-founders built the service from personal frustration: they recognized that while starting a side business had become easier, "finance and tax admin is always where complexity and the risk of expensive mistakes lurk."[1]
The startup achieved early validation by securing £650,000 in seed funding led by 7percent Ventures, with participation from Antler and FJ Labs.[1] This backing reflected investor confidence in the team's vision to disrupt the "half-trillion-dollar accounting sector globally using AI."[1] By 2024, Earnr expanded its reach by merging with untied, forming the UT Tax Group and gaining access to broader platforms and integrations.[2]
Earnr operates at the intersection of three powerful trends: the creator economy's explosive growth, the regulatory burden on self-employed workers, and the underserved fintech gap for micro-entrepreneurs. Traditional accounting software (QuickBooks, Xero) targets established small businesses with higher complexity and budgets. Earnr fills the gap for the emerging class of digital creators, freelancers, and side hustlers who need lightweight, affordable solutions.
The timing is critical. The UK's gig economy and creator workforce have expanded dramatically since 2020, yet tax administration remains a significant barrier to formalization and growth. By automating compliance, Earnr removes friction that prevents talented creators from scaling their ventures. The company's positioning also reflects a broader shift in fintech toward vertical-specific solutions—rather than building horizontal platforms, successful startups now target narrow, underserved segments with deep expertise.
Earnr's use of AI for tax automation also signals the broader industry trend of applying machine learning to traditionally manual, rule-based processes. This approach has proven successful in other regulated sectors and positions Earnr as a potential acquirer target for larger fintech or accounting platforms seeking to modernize their offerings.
Earnr has successfully identified and begun serving a genuine market need: the millions of UK workers juggling side income with full-time employment who lack affordable, simple tax solutions. The company's merger with untied into the UT Tax Group suggests ambitions to expand beyond tax filing into broader financial services—potentially offering invoicing, expense tracking, or even lending products tailored to creators.
The key question for Earnr's trajectory is geographic and product expansion. The UK market is substantial but finite; success will likely depend on expanding to other English-speaking markets (US, Australia, Canada) where similar creator economy dynamics exist. Additionally, as customers grow from side hustlers to full-time small businesses, Earnr will need to evolve its product to retain them—or risk becoming a stepping stone to more comprehensive platforms.
The broader fintech and accounting sectors are watching. If Earnr can prove that AI-driven automation can profitably serve the micro-entrepreneur segment at scale, larger players will inevitably enter the space. Earnr's early-mover advantage, founder credibility, and focused product design position it well to either dominate this niche or become an attractive acquisition for firms seeking to modernize their creator-focused offerings.
