How it works

File in. Answer out.

Each skill is a structured instruction set you drop into whichever chat tool you already use. Not a chatbot, not a wrapper. The 2025/26 HMRC bands, CEST criteria, and named UK case law are already inside the file. Three steps:

1

Download the skill file

Pick the pack that matches your work. Each file covers one specific area of UK business compliance.

2

Drop it into your chat tool

Tested on ChatGPT, Claude, and Gemini. Free tiers work. No API keys, no integrations, no setup.

3

Get the answer

The skill walks you through the inputs, runs the maths against current rates, and gives you the figure your accountant or HMRC actually wants.

Sample skill file

This is what you actually download.

Plain Markdown. Open it in any text editor. Drop it into your chat tool as context. Below: the first page of the IR35 Status Assessment skill.

ir35-status-assessment.md v2025.4 · 11 pages · 8.4 KB
IR35 Status Assessment, UK 2025/26
ExternalOS skill file · Last updated 9 Apr 2026 · Built against current case law
Purpose

Determine whether a contract falls inside or outside IR35 (off-payroll working rules) under HMRC's published guidance and the leading UK case law. Output: a written status decision, a CEST comparison, and a Status Determination Statement (SDS) ready to send.

Reference framework
  • ITEPA 2003 Part 2 Chapter 8, the IR35 statute
  • HMRC's CEST tool decision logic, current at April 2026
  • Atholl House Productions Ltd v HMRC [2022] EWCA Civ 501
  • HMRC v PGMOL [2024] UKSC 29
  • Kickabout Productions Ltd v HMRC [2022] EWCA Civ 502
How the skill works

Walk the user through 14 questions covering: mutuality of obligation, right of substitution, control over work, financial risk, integration, exclusivity, intent and pay structure. Score against the three-stage Ready Mixed Concrete test as restated by the Court of Appeal in Atholl House.

Worked example: A contract showing a genuine right of substitution (substitute exercised, no veto) plus pay-per-deliverable plus genuine financial risk weighs heavily toward outside IR35, even where day-to-day control sits with the client. See PGMOL on the limits of "control" alone.
Output formats supported
  • Plain-English status decision (1 paragraph)
  • Structured SDS document (HMRC-format, ready for the client)
  • CEST comparison table (your reasoning vs CEST output)
  • Risk register entry (for accountant/IFA records)
Showing page 1 of 11. Full file is included with the IR35 pack and the Full UK Suite. See the same engine in the free IR35 checker ›
Five questions, honest recommendation

Find the pack that fits your setup.

Takes about 30 seconds. We'll highlight the pack we think suits you and show you the rest. You still decide.

Question 1 of 5

Which hat do you wear?

What's pressing right now?

Where do you do the thinking?

Every skill is plain Markdown. It works in whatever chat tool you already use. This just helps us point you at the best starting format.

What would make this worth £30 to £80?

Budget comfort?

Not ready for the full suite? Start with the free IR35 checker, or grab one pack below to test the work.

Try the free IR35 checker

The work, already done. Pick the pack that fits.

Lifetime licence. Download once, use forever.

01 / Freelancer OS

UK Freelancer OS

Notion Template

8 connected Notion modules. CRM, invoicing, tax dashboard, time tracking, HMRC deadlines. Your entire freelance business in one workspace.

£29 GBP

ex-VAT. Gumroad adds 20% VAT for UK/EU buyers at checkout.

03 / Employer

UK Employer Compliance Pack

7 Skill Files

Employment law, employee handbooks, health and safety risk assessments, GDPR compliance, AML/KYC documentation, contract review, client comms drafter. Seven files, one download. Updated for 2025/26 statutory rates (SSP £118.75, redundancy cap £719) and ERA 2025 commencement timing.

£39 GBP

ex-VAT. Gumroad adds 20% VAT for UK/EU buyers at checkout.

05 / Landlord

UK Landlord Legal Pack

3 Skill Files

Landlord compliance (RRA 2025-aware), rental yield and SDLT calculator (post-1 April 2025 bands), GDPR compliance for tenant data. Built for England-based portfolio landlords.

£29 GBP

ex-VAT. Gumroad adds 20% VAT for UK/EU buyers at checkout.

Why not just ask ChatGPT?

Because a generic chatbot is a starting point, not a finishing line. UK tax and compliance need more than a best guess.

Generic chatbot

  • 0 named UK case law citations. Guesses UK rates from training data that may be months or years out of date.
  • 3+ jurisdictions blurred. Mixes UK, US, and EU regulations without warning.
  • 69-88% hallucination rate on legal queries (Stanford HAI, Dahl et al., arxiv 2401.01301, 2024).
  • You have to know what to ask, and how to ask it. Every single time.
  • Doesn't know what Renters' Rights Act 2025 actually changed.

ExternalOS skill

  • 3 named IR35 cases embedded (Atholl House, PGMOL, Kickabout Productions). 2025/26 HMRC bands. CEST-aligned.
  • 1 jurisdiction, UK only. Built for HMRC, not the IRS.
  • 42 rate variables tracked. 17 Section 8 grounds documented. 38 CEST decision points.
  • Structured workflow, no prompt engineering required.
  • Written by a small UK team who file the same forms and sit with the same HMRC tabs as the people this is for.

11 discrete checks per IR35 run, versioned against 2025/26 HMRC bands. Methodology on GitHub.

Why this exists

We started ExternalOS in Leeds in early 2026 because we'd all done the same Sundays, the same HMRC tabs, the same 11pm panic before 30 January. Our team is small and built around the work itself: UK tax, employment law, contracting, landlord compliance, and the engineering to package it.

We spent months on the parts of running a UK business that nobody packages and everyone redoes. The HMRC bands. The CEST criteria. The Renters' Rights Act 2025. The Employment Rights Act 2025. We turned that work into files: one file per job, each one structured tight enough that the answer comes out the same every time, whoever opens it.

We charge £29 to £79 because the work is done. Not per user, not per month, not per filing. You download the file, you keep the file, and when the legislation moves we ship the update. That's the whole arrangement.

No signup required

Four free tools. No email gate.

Plain-text, browser-based tools using the same case law, HMRC rates, and Companies House rules as the paid packs. Use them as much as you want. Buy if and when you want the rest.

Free tool · Contractor

IR35 Status Checker

Seven CEST-style questions, instant verdict. Substitution, control, mutuality of obligation, financial risk, equipment, integration, exclusivity. Modelled on Atholl House, PGMOL, and Pimlico Plumbers.

Open the checker
Free tool · UK Ltd

Compliance Calendar

Year-end in. Every Companies House and HMRC deadline for the next 12 months out. Accounts, Corp Tax, VAT quarters, PAYE, P11D, MTD ITSA. Exportable as .ics.

Build my calendar
Free tool · Employer

Employer Costs Calculator

Salary in. Full annual cost out. Class 1 employer NI (15% above £5k), Employment Allowance £10,500, pension auto-enrol, holiday accrual, NLW/NMW compliance. April 2026 rates.

Calculate the cost
Free tool · Landlord

Landlord Compliance Check

12 yes/no questions covering the Renters' Rights Act 2026, the 31 May Information Sheet (£7,000 fines), Section 13 rent rules, deposit protection, EPC, Right to Rent, HMO, MTD ITSA.

Start the check

Not ready to buy? Take the free IR35 skill file and see the work first. A new tool lands every Friday. Stop any time.

Send me the IR35 skill

Questions you're probably about to ask.

Is this just prompts with a nice label?

No. A skill is a structured instruction set your chat tool loads before it answers you. It contains 2025/26 HMRC rates, CEST criteria, and named UK case law (Atholl House, PGMOL, Kickabout Productions) already embedded. A prompt is a sentence. A skill is an entire working system.

What does the file actually look like?

A plain-text instruction file (Markdown). About 4 to 12 pages of structured content per skill. Inside: the relevant HMRC rates and thresholds for 2025/26, the legislative references, the named case law, the step-by-step the tool walks you through, and the exact output format your accountant or HMRC software expects. You drop the whole file into your chat tool as context, then ask your question in plain English. The free IR35 checker shows you the same engine running in your browser.

Who wrote these, and how do we know they're right?

Each skill is peer-reviewed against current UK case law and HMRC guidance before it ships. The IR35 logic cites Atholl House, PGMOL, and Kickabout Productions with paragraph references. Rates are tied to the 2025/26 HMRC bands. The source of the free IR35 checker is public on GitHub. If a figure ever moves, the update is shipped free under the lifetime licence. First-buyer feedback will be credited with names and roles in the Behind section once it lands. If you spot a mistake before we do, email hello@externalos.com and we will rebate your purchase price and patch the file the same day.

Do I still need an accountant?

Yes, if you want someone to file your self-assessment, sign off your accounts, or represent you to HMRC. ExternalOS does the prep work an accountant would otherwise charge you for: the calculations, the categorisation, the IR35 check, the contract review. Most of our customers use both, and pay their accountant for less time.

How is this different from Tide's free MTD filing?

Banks file what's already in your account. ExternalOS does the work that produces what gets filed: categorisation, IR35 status, expense classification, allowable deductions, and the maths that turns transactions into a quarterly summary. Banks own your account. We don't. The files are yours, on your computer, usable with any chat tool, with no platform dependency.

Why is the price higher at checkout?

Gumroad adds 20% VAT at checkout for UK and EU buyers. That's the law (Gumroad is the registered merchant of record, they handle the VAT filing so we don't have to). Our listed prices (£29, £39, £79) are ex-VAT. If you're VAT-registered, you can reclaim it on your next return. If you're outside the UK and EU, no VAT is added.

Do I need to be technical to use this?

If you can copy and paste, you can use it. Drop the skill file into whichever chat tool you already use, then ask your question in plain English. No API keys, no setup, no technical skills required.

What happens when HMRC rates change?

You get the update. Lifetime licence means every rate change, legislation update, and CEST revision ships to you automatically. When the 2026/27 tax year drops, your skill already knows the new numbers.

Which chat tool does this work with?

Any modern chat tool that accepts a file or a long instruction set. No lock-in, no subscription, no platform dependency.

What if it doesn't work for me?

14-day refund, no questions asked. Email hello@externalos.com and it's sorted. You keep the files either way.

Get the £79 bundle