UK Sole Trader Tax Workbook 2026/27

Keep your sole-trader records for the 2026/27 tax year in one spreadsheet, and know what you will owe before January. Three simple logs (income, expenses and business mileage) turn into everything you need at year end: the SA103S self-employment boxes, the quarterly totals Making Tax Digital asks for, a Trading Allowance check, and an estimate of your Income Tax, Class 4 National Insurance and payments on account.

Not sure yet? The free 2026/27 tax estimate uses the same arithmetic.

Prefer the rules explained in prose first? The same publisher's Kindle guide UK Sole Trader Tax 2026/27 (Foundry Tax Guides, in the Kindle Store) walks through Self Assessment, Making Tax Digital, expenses and the year-end sums with the same worked examples. The workbook is complete without it, and the guide without the workbook.

Where to buy — £6.99, instant download

Buy here — £6.99, download by email
Sold by our merchant of record (Stripe), which charges the right VAT for your country and emails your download link within a minute. The link works for 30 days; the file is yours to keep.

• On Etsy (shop Taxelicious): pay with Etsy's checkout, the file is on your Etsy purchases page straight after.
• On Payhip: the same file at the same price, paid by card or PayPal; Payhip emails the download link and handles UK and EU VAT.

Launch price until 30 November 2026, then £8.99. One purchase is one licence for your own business records.

What you get (10 tabs)

• Setup: every 2026/27 rate and threshold (Personal Allowance, tax bands, Class 4 limits, HMRC mileage rates, Trading Allowance, the MTD threshold), each with its gov.uk source. Change a figure once and every formula follows.
• Income log: date, customer, type (sales or other business income), amount.
• Expense log: a drop-down of the SA103S expense categories (boxes 11–19), a business-use share for mixed costs, and the allowable amount worked out for you.
• Mileage log at HMRC approved rates, including the 10,000-mile step-down for cars and vans.
• Quarterly: the four MTD quarters (standard or calendar) with income, expenses, profit and each update deadline.
• Allowance: whether the £1,000 Trading Allowance or your actual expenses leaves you the lower profit.
• SA103: your year-end figures box by box, ready to copy into the self-employment pages or your filing software.
• Tax: Income Tax, Class 4 NI, the balancing payment due 31 January and the two payments on account, with room for a salary or pension and tax already deducted so the bands are right.
• Example: a filled, hand-checked year so you can see what a finished workbook looks like.
• README: how to use it, what it covers and what it does not.

At a glance

• One .xlsx spreadsheet (about 0.3 MB). Nothing physical is sent.
• Works in Microsoft Excel 2010 or later, Google Sheets (File → Import), LibreOffice Calc and Apple Numbers. No account or subscription needed.
• Every blue cell is yours to type in; everything else is calculated. Formulas only: no macros, nothing to enable.
• UK, tax year 6 April 2026 to 5 April 2027. Income Tax bands for England, Wales and Northern Ireland.
• For sole traders, freelancers and the self-employed with one business, not VAT-registered.

Please read before buying

• It is a record-keeping and estimating spreadsheet, not MTD-recognised filing software and not tax advice. Quarterly updates and the tax return are still sent through HMRC's online service or MTD-compatible software; this workbook gives you the numbers to send.
• Scottish Income Tax bands differ and are not included. Not for partnerships or limited companies.
• Not covered: student loan repayments, savings and dividend income, Marriage Allowance, pension and Gift Aid relief, losses brought forward, the High Income Child Benefit Charge. Check the final figures against HMRC's own calculation.
• Rates are the 2026/27 figures published on gov.uk, read in October 2026.
• Made with the help of AI tools. Every formula is tested, and the example year is checked by hand.

Questions buyers ask

Does it work in Google Sheets?

Yes. Import the .xlsx with File → Import in Google Sheets; it also opens in Excel 2010 or later, LibreOffice Calc and Apple Numbers. Formulas only, no macros.

Which SA103 boxes does it fill in?

The SA103S short self-employment pages: turnover and other income (boxes 9–10), the expense boxes 11–19 from your categorised expenses log, and the net profit figure, ready to copy into your Self Assessment return.

Does it do Making Tax Digital quarterly updates?

It totals your income and expenses for each of the four MTD quarters (standard or calendar quarters) so the figures are ready for your MTD software. It is not itself HMRC-recognised filing software.

How does it estimate my tax bill?

From the 2026/27 rates on gov.uk: Income Tax after the Personal Allowance, Class 4 National Insurance, the trading allowance check and payments on account. The same arithmetic runs the free tax estimate on this site. Scottish Income Tax bands are not covered.

Is it a one-off purchase?

Yes. £6.99 once (launch price until 30 November 2026, then £8.99), one licence for your own business records, no subscription. A refreshed file for 2027/28 is sold separately each April.

Refunds

If the file does not open on your device, message the shop you bought from within 14 days for a replacement file or a full refund. Etsy refunds go through Etsy; Payhip refunds go back to the card or PayPal account you paid with; a purchase made on this page is refunded by replying to the download email.