How it works

What your work coach looks at.
And what planix delivers.

Every document for your self-employed interview – with the result it is in.

Every document with its result.

Start for free
The documents

planix delivers 2 of 4 documents.

You bring the rest yourself.

Business concept: offer, customers, organisationBusiness conceptplanixBusiness concept
Numbers: expected profit and monthly costsExpected profitplanixBusiness and financial plan
Evidence: invoices, bank statements, recordsEvidenceYou–
Self-employed interview with your work coachInterviewYou–

Legal basis: Universal Credit Regulations 2013, regs. 62–64 · Universal Credit start-up period: Department for Work and Pensions (DWP), gov.uk, as of 09.11.2026.

The path

The order decides.

Five steps – and the one report you must not delay.

  1. StartClaim Universal Credit

    Online on gov.uk – your work coach at Jobcentre Plus is your contact.

    Online, with a work coach.

  2. With planixPrepare concept and numbers

    Offer, customers and expected profit – showing that your business is organised and expected to make a profit.

    Concept and numbers.

  3. DeadlineReport it and attend the interview

    Tell Universal Credit as soon as you start. At the interview your work coach checks whether you are gainfully self-employed.

    Report it, then the interview.

  4. Up to 12 monthsStart-up period

    No job search and no minimum income floor – Universal Credit uses your actual monthly earnings.

    Actual earnings count.

  5. AfterwardsMinimum income floor

    Universal Credit then assumes at least minimum-wage earnings for your expected hours. Plan your profit for that.

    Plan for the income floor.

Report your business income and expenses to Universal Credit every month – even in a month without any. Separately, you register for Self Assessment with HMRC.

Result

Three documents. One self-employed interview.

Each document takes over what you entered before.

Develop the business conceptfree

Your business concept

Web · PDF · Word

What you offer, to whom, and why you can do it.

  1. 1Summary
  2. 2Company and founders
  3. 3Offer and business model
  4. 4Market and competition
  5. 5Marketing and sales
  6. 6What your concept does not yet answer
  7. 7Your next steps

Plus a one-page short profile.

Start now
Business & financial planning Pro£39

Your business and financial plan

Web · PDF · Word · Excel

The plan with all numbers – about 30 pages, every number calculated.

  1. 1Summary
  2. 2Company and founders
  3. 3Offer and business model
  4. 4Market and competition
  5. 5Marketing and sales
  6. 6Organisation and staff
  7. 7Investments and capital required
  8. 8Financing and security
  9. 9Projected profit and loss
  10. 10Cash flow planning
  11. 11Projected balance sheet
  12. 12Viability and living costs
  13. 13Risks and scenarios
  14. 14Assumptions
  15. 15Attachments and next steps
  16. 16Your next steps

Plus the financial plan as Excel with eight sheets.

Plan bank-ready
Find funding£75

Your funding programmes

Web · PDF

Which programmes fit, in which order, by when.

  1. At a glance
  2. Programmes and order
  3. Your next steps

Every programme with source and check date.

Start now
Afterwards

Seamlessly on in the founder journey.

Concept and numbers stay in your account. Founding and first customers build on them.

Everything stays in your account.

  1. IdeaFind business idea · Develop idea
  2. ValidationTest idea · Test market
  3. PlanningBusiness concept, business plan, funding
  4. FoundingFound and protect the company
  5. GrowthGo-to-market · Investors · Scaling

Supported by start-up experts and partners

NVIDIA Inception Program
REP27 – EU & UK GDPR Representative
collumino.com
STARTUPS

Ready for your self-employed interview?
Start for free.

The concept first. The numbers and the funding when you’re ready.

Start for free Concept free · Business plan £39 one-off