Summary and Aims of our policy.

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To completely eliminate the stress, compliance dread, and administrative complexity of the current tax system, our policy introduces a fully automated framework for bookkeeping, accounting, and tax collection. By integrating automated computing directly into a transparent banking infrastructure, we minimize human intervention, neutralize tax evasion, and slash operational costs. This radical departure from traditional tax collection delivers a direct financial saving of up to £29 billion per year to the British economy, fundamentally shifting the state's relationship with the individual from friction to silent support.

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Current unresolved issues.

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The process of tax accounting and tax collection is hugely complex in our country, and we estimate there is more than half a million people working in this sector.  We have over 30 different taxes in our country, and for example HMRC which collects only some of these taxes, has 66,000 employees alone.  The current system causes endless stress, confusion, and cost for government, and also all businesses, distracting them away from the important things they need to do in order to run their businesses, and creating wealth for everyone in the country; it can be similar for many private individuals also.  Furthermore the complexity of our tax systems create endless opportunity for tax fraud, making tax collection harder for the government.  Nearly all of this is waste, it is all things we do not have to do, we can avoid nearly all the huge costs (many £billions) and stress of it by having a greatly simplified automatic system. 

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Our policy - How it solves the issues and achieves the aims.

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Our automated accounting and tax framework operates in absolute synergy with our wider infrastructure policies, utilizing the following core components:

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• Simplified Tax System: Built on a streamlined, radically simplified foundation detailed in our Tax & Spending (fiscal) Policy. 

• Unified Banking Interface: Supported by a single, secure banking ecosystem connecting all organizations and individuals, as outlined in our Transparent Banking Policy.

• Universal Standardization Codes: A transparent system of numerical codes instantly identifying the accounting and tax classification of every product or service sold.

• Instantaneous Transaction Execution: At the point of sale, each item is logged via its code. The system immediately generates matching invoices for both buyer and seller, delivering them instantly within the unified banking network.

• Algorithmic Tax Calculation: A central computer automatically applies correct tax calculations to every invoice item using public, open-source algorithms.

• Real-Time Financial Visibility: The central system delivers concise monthly tax and profit statements to businesses and individuals. Companies can monitor their accumulating financial positions in real time throughout the month as transactions occur.

• Foundational Financial Literacy: Financial management and system literacy are fully integrated into the school curriculum, equipping every citizen with total financial independence by adulthood.

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The system we propose is a single invoicing, banking, accounting, and tax system in one.  Our policy is for a zero tax environment for businesses, such that profit is only taxed when it is drawn out of a company into private ownership.  The only thing any business, or anyone ever has to do, is to correctly create invoices, and pay their own invoices.  Everything else happens automatically and electronically, so there is never any need of paper, sending invoices, chasing missing invoices, processing invoices, bookkeeping, or creating tax accounts, all these activities will be a thing of the past.  All the usual information is on the invoice, and businesses can immediately see all the invoices that they have automatically sent out, the invoices they have automatically been sent, which ones are paid, which need paying, and by when.  All financial processes and analysis is done automatically and immediately in real time, so for example as soon as you pay a suppliers invoice, it immediately shows as paid in their system and in their bank account, and everyone immediately knows the change in their financial position at the point in time the invoice is paid.  Clearly the system can include financial management software, so that any financial analysis required by companies is automatically produced, and the system can interface with ordering, processing, and delivery. 

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The entire complexity, cost and stress of money management and tax is almost entirely eliminated in this way, thus achieving our aims.

 

These possibilities for combining and simplifying our management systems extend throughout all aspects of business, and the economy, and it is our policy to take all opportunities to do so.  Indeed, the opportunity to use data and the computer processing of it is far beyond the degree to which we currently do it, we had the technology to do all of this 20 years ago, yet we are nowhere near to achieving the full potential of it.  Now more than ever, huge cost, time, and stress savings can be made across all business, economic, and government processes, with national databases and simplified automatic computer systems that work with them.

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​Costs benefits of our policy.

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Implementing a fully automated bookkeeping, accounting, and tax collection system—linked directly to a transparent banking infrastructure—would fundamentally dismantle one of the most complicated, time-consuming administrative bureaucracies in Britain.

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According to parliamentary data, independent reports from the National Audit Office (NAO), and research by the Federation of Small Businesses (FSB), administering and complying with the current UK tax system costs over £20 billion every single year in direct administrative overhead alone.

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If our policy completely replaces human intervention with automated computing, the total direct savings to the British economy would be up to £29 billion annually.

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Here is the exact breakdown of where those billions are currently wasted and how our policy saves them:

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1. Direct Savings for British Businesses: £15.4 Billion to £25 Billion

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The NAO confirms that UK businesses spend a minimum baseline of £15.4 billion a year just to meet their tax obligations. However, the FSB notes that when you factor in the true emotional and time costs to the 5.5 million small businesses in the UK, the figure climbs closer to £25 billion. Under our policy, this drops to virtually zero.

The NAO's breakdown reveals exactly what is wiped out:

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• £6.6 Billion in Accountancy Fees: Wiped out. Businesses currently pay this directly to agents, accountants, and intermediaries just to translate their books into tax-compliant filings.

• £4.5 Billion in Software and Upkeep Costs: Wiped out. This is spent on fragmented, commercial accounting software, payroll subscriptions, and IT integrations required to comply with HMRC's changing rules.

• £4.3 Billion in Internal Staff Time: Saved. This represents the internal cost of business owners and employees manually logging receipts, running payroll, and chasing invoices. The FSB found that the average small business owner wastes 44 hours a year on tax red tape—collectively draining 242 million hours of productive human cognitive capacity from the economy.

 

2. Direct Savings for the State (Government Overhead): ~£3.7 Billion

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It is incredibly expensive for the government to collect tax manually. In the latest fiscal reports, HMRC spent £4.3 billion on its own operational costs to run the tax system. By turning tax collection over to an automated computer system integrated into a transparent banking network, you eliminate the need for the vast majority of this operational machinery:

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• Customer Compliance Group (~£2.4 Billion saved): Wiped out. Over half of HMRC's budget goes toward policing, investigating, and auditing taxpayers to close the "tax gap." Because our system features a transparent banking backbone, tax is calculated and collected perfectly at the point of transaction, rendering manual tax evasion impossible and compliance officers obsolete.

• Customer Services Group (~£1.3 Billion saved): Massively reduced. This budget goes to handling millions of phone calls, disputes, and letters from confused citizens trying to navigate a convoluted system. A streamlined, automated system needs no phone lines to explain confusing tax codes.

 

 

The Total Financial and Human Dividend

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Direct Financial Saving: ~£20 billion to £28.7 billion per year in pure cash injections back into the pockets of the state and businesses.

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The Productivity Boom: Beyond the ledger, our policy liberates 242 million hours of human focus currently trapped in non-value-adding administrative anxiety. If business owners can spend those hours innovating, creating, and expanding rather than filling out forms, the wider macroeconomic growth would heavily multiply that initial £20 billion saving.

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In this way the economy becomes more efficient, and delivers more value to everyone, with the same amount of labour from the workforce, see our Value Adding Work Policy for a detailed explanation of this.  This is one of the many policies we have which contribute to our goal of doubling GDP per capita without increasing how much people work, and in the process eliminating all lack of funding for public services and poverty for ever.  See our Economic & Business Policy for a full description of all these policies.

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Wellbeing benefits of our policy.

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The psychological burden of tax administration is one of the most widespread, underreported sources of chronic stress in British society. When a system changes from manual compliance to automatic background calculation, the relief is measured not just in money, but in human cognitive freedom.

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According to data from the Federation of Small Businesses (FSB), an astonishing three in five (60%) small business owners state that simply dealing with HMRC directly causes their personal stress levels to rise. Furthermore, tax specialists working with small businesses report that over half of their clients facing an enquiry disclose severe mental health conditions, including acute anxiety and depression requiring medication.

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Automating this entire apparatus creates a direct, massive shift in collective human well-being through three psychological channels:

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1. Eliminating "Compliance Dread" and the Fear of Error

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The human brain treats a complex, punitive legal system as a threat vector. For millions of sole traders, freelancers, and small business owners, the tax system is structured around an ambient, underlying fear: the fear of making an innocent mistake and being financially ruined or legally penalized.

• The Well-Being Dividend: By shifting the entire calculation and collection process to an automated computer connected to transparent banking, you eliminate the cognitive load of self-assessment entirely. Humans no longer have to interpret convoluted tax laws or second-guess their books. The psychological threat of "doing it wrong" vanishes overnight, replacing a permanent state of low-level dread with absolute peace of mind.

 

2. Ending the Trauma of the "Tax Investigation Loop"

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Under the current system, a routine tax enquiry or compliance check can drag on for months—sometimes up to 18 months or years. During this time, business owners live in a state of agonizing limbo, facing aggressive, formal correspondence while trying to keep their business afloat.

• The Well-Being Dividend: Because an automated, transparent banking network calculates and executes tax perfectly at the point of transaction, the concept of a retroactive "tax audit" or "investigation" becomes completely obsolete. You instantly dry up a major pipeline of stress-induced clinical burnouts, panic disorders, and relationship breakdowns caused by protracted legal scrutiny.

 

3. Reclaiming Cognitive Bandwidth for "Value-Adding" Passion

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The FSB notes that British small business owners collectively spend 242 million hours a year trapped in tax red tape. Psychologically, this is known as unproductive emotional labour—time spent on a task that yields zero creative fulfilment, personal growth, or financial reward. It is purely defensive labour.

• The Well-Being Dividend: When you gift 242 million hours back to the country’s most entrepreneurial minds, you trigger a massive release of positive mental energy. Business owners can reinvest their cognitive capital into what they actually love: innovating, perfecting their craft, mentoring staff, or simply spending quality time with their families.

 

 

The Philosophical Pivot

 

In essence, the current tax system treats every citizen as a manual data-entry clerk who is perpetually under suspicion of hiding wealth. It operates via intimidation and bureaucracy.

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By automating the mechanics of accounting entirely in the background, our policy shifts the state's relationship with the individual from one of friction and surveillance to one of silent, operational support. It allows people to take their attention off the machinery of the state and place it entirely back onto their own lives and potential.

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Supporting policies.

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Transparent Banking Policy

Value Adding Work Policy

Economic & Business Policy

Education Policy

Restructuring Labour Policy

Efficient Work Policy

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Witten by Marcus white 9-5-2024 ©, updated 10-7-2026.