WHITO GLOSSARY · MEASURED DEFINITIONS
The set of tools a business pays for to operate. A five-person UK service business pays about £2,635 a year including VAT, roughly £44 per person per month; a credible sole-trader stack costs about £18 a month.
The number: UK Business Software Price Index.
What it means in practice
Stacks grow by accident: a tool per problem, a subscription per tool, and nobody adds it up until renewal season.
Audit it once a year at the month-seven price, not the intro price. Cut what duplicates, downgrade what idles, and price the whole stack per person so growth has a known cost.
Whito stage: Build. Buy this once the foundations are set, not before.
The numbers to hold onto
- A five-person UK service business pays about £2,635 a year including VAT for a standard stack. UK Business Software Price Index.
- A credible sole-trader stack costs about £18 a month. UK Business Software Price Index.
- Xero’s Grow plan is £444 a year at full price, 4.8 times HMRC’s compliance estimate. UK Software Waste Index.
Where to go next
Related: Making Tax Digital (MTD), Price transparency, Rate card