2026/27 · Edition 2.2 · Updated for Budget 2026 · 30 pages
Self-employed? File by 31 January 2027, and have the right amount ready.
Your tax bill, payments on account, expenses and deadlines for 2026/27, in one plain-English pack.
The Sole Trader’s Tax Survival Pack · £4.99
30-page pack · 2026/27 · printable planners
- Worked examples from £20,000 to £110,000: see a bill like yours, every step shown.
- Payments on account, with a first-year timeline: why January can be 150% of a year’s bill.
- A set-aside planner table: know how much to put by from each payment.
- Allowable expenses by category: plus simplified expenses and capital allowances.
Plus the tax calendar and penalties, Making Tax Digital, and a printable Self Assessment checklist.
Instant download · One-off payment · Full refund if it’s not for you
Checked against official sources on 18 October 2026
The Sole Trader’s Tax Survival Pack
30 pages · 2026/27 · printable planners
- Worked examples from £20,000 to £110,000: see a bill like yours, every step shown.
- Payments on account, with a first-year timeline: why January can be 150% of a year’s bill.
- A set-aside planner table: know how much to put by from each payment.
- Allowable expenses by category: plus simplified expenses and capital allowances.
✓ Full refundNot what you needed? Contact us for a full refund.
Checked against official sources on 18 October 2026.
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Your 2025/26 Self Assessment
The pack is the 2026/27 edition: it has the January 2027 dates and penalties, and shows the old rate where one changed in April 2026. Sources: GOV.UK: deadlines; penalties; payments on account.
The first-year shock, worked through. The pack's example, Lena:
| 2025/26 tax and Class 4 NI on £30,000 profit | £4,531.80 |
| Plus first payment on account for 2026/27 (half) | £2,265.90 |
| Due on 31 January 2027: 150% of a year's bill | £6,797.70 |
Fictional example from the pack. The rates it uses are the same in 2025/26 and 2026/27.
What you do: tick off the Self Assessment checklist of what to gather, total your expenses by category, then use the set-aside planner so the January bill is no surprise.
Working for yourself means nobody deducts your tax for you. This plain-English PDF gives you the numbers, the dates and the habits that stop the tax side going wrong, with every sum worked through.
- Your 2026/27 Income Tax (including Scotland) and Class 4 and Class 2 National Insurance
- Worked examples from £20,000 to £110,000 of profit, plus a side business and student loans
- Payments on account explained, with a worked first-year timeline
- How much to set aside each month: a planner table
- Allowable expenses by category, simplified expenses (55p mileage) and capital allowances
- Making Tax Digital for Income Tax: who, when and a readiness checklist
- Printable Self Assessment checklist, income and expense tracker, set-aside planner and year-end checklist
Updated for Budget 2026
This edition is updated for the Budget on 28 October 2026, and your download link serves it. If your link has expired, ask through our contact form and we’ll send it.
What's inside
30 pages, from your numbers to your year-end
Your 2026/27 numbers
What's new this year, how sole trader tax works, Income Tax (including Scotland), National Insurance and your State Pension, the tax calendar to January 2028, and penalties.
Worked examples
£20,000, £35,000, £60,000 and £110,000 of profit worked through, then Scotland, a side business alongside a job, and student loans.
Payments on account
The rule that catches first-year filers out, a worked first-year timeline with the numbers, and a table of how much to set aside.
Expenses and getting set up
Allowable expenses by category, what you can't claim, simplified expenses, equipment, vans and cars, registering and the trading allowance.
MTD, records and big decisions
Making Tax Digital and a readiness checklist, records and VAT, pensions and the £100,000 trap, and sole trader or limited company with real numbers.
Printable worksheets
Self Assessment checklist, income and expense tracker, set-aside and payments-on-account planner, year-end checklist, common mistakes and sources.
Look inside
Three sample pages
Who it's for
Written for UK sole traders
Newly self-employed
Registering, the trading allowance, your first return and the payments-on-account surprise in year two.
Established sole traders
Expenses you may be missing, Making Tax Digital from April 2026, and a planner for setting tax aside.
Side businesses
Self-employed alongside a job, with a worked example of how the two incomes combine.
Not for
Limited companies or partnerships, or anyone wanting personal advice. The pack is general information, not tax advice.
Questions
Frequently asked questions
Do I have to pay anyone to file my tax return?
No. Filing your Self Assessment return online with HMRC is free, and HMRC's guidance is free. This pack is optional: the dates, rules, worked examples and planners in one place.
Does it help with my 2025/26 return, due 31 January 2027?
Yes, in part. It has the 31 January 2027 filing and payment dates, the penalties, a Self Assessment checklist of what to gather, and a worked first-year example of what is due on 31 January 2027. Its rates and examples are for 2026/27: Income Tax and Class 4 thresholds are the same in both years, and where a rate changed in April 2026 (car and van mileage 45p to 55p, the main capital allowance pool 18% to 14%) the pack shows the old rate too.
Will it guarantee my return is right?
No. It explains the rules and works through examples so you can check your own figures. HMRC decides, and for anything complex a qualified accountant or tax adviser is the right call.
What do I get?
A 30-page PDF for the 2026/27 tax year: Income Tax and National Insurance, the tax calendar and penalties, worked examples from £20,000 to £110,000 of profit, payments on account with a first-year timeline, a set-aside planner, allowable and simplified expenses, capital allowances, Making Tax Digital, sole trader or limited company, and printable worksheets.
Is the expense tracker a spreadsheet?
No. The pack includes a printable monthly income and expense tracker and set-aside planner that you fill in by hand or copy into your own spreadsheet. It is a PDF, not a spreadsheet file.
Does it cover Scotland?
Yes. It includes the Scottish Income Tax bands for 2026/27 and a worked example for a Scottish sole trader. National Insurance is the same across the UK.
How up to date is it?
Every figure is for 2026/27 and was checked against GOV.UK and HMRC guidance on 18 October 2026, and Edition 2.2 is updated for Budget 2026 (28 October 2026): the trading allowance and Self Assessment reporting threshold rise to £3,000 from 6 April 2027, mileage after 10,000 miles rises to 35p and the writing-down allowance falls to 12%. Your download link serves this edition.
Will it tell me to set up a limited company?
No. It shows the numbers both ways. With 2026/27 rates, a sole trader who takes all the profit out usually keeps more than a company owner at £30,000 to £100,000 of profit; the pack explains when a company can still make sense.
How do I get the PDF, and what if it isn't for me?
After paying you return to a download page and the PDF starts downloading; the link works for 30 days. If it is not what you needed, contact us through the contact page for a full refund.
£4.99, once. You get the 30-page pack straight after paying, with a download link that works for 30 days.
Not what you needed? Contact us for a full refund. Checked against official sources on 18 October 2026 and updated for Budget 2026 on 28 October 2026 (Edition 2.2).