Sole Trader Money App UK 2026/27 | Self Assessment Expenses, Tax Pot, Mileage, Invoices, MTD Quarterly Totals, Works Offline, Free Demo

Descripción del vendedor

CALM MONEY SOLE TRADER, A MONEY APP FOR UK SOLE TRADERS, 2026/27. Log what comes in and goes out in the Self Assessment categories, and see what to set aside for tax from every payment: income tax and Class 4 National Insurance, with a student loan if you have one. Track mileage at HMRC's rates and invoices until they are paid, and have your quarterly totals ready for Making Tax Digital or your accountant.

It opens in your browser, adds to your Home Screen like an app and works offline. No account, no bank login, no subscription. An estimate to help you set money aside, not tax advice.

TRY THE FREE DEMO FIRST: https://app.neatwrenstudio.com/sole-trader-demo/
It is the real app with a made-up example business (a graphic designer's year so far). Income, expenses, the tax pot, mileage, invoices, the rates and both modes are open (up to 60 entries and 8 invoices). Quarters for Making Tax Digital shows as a preview. Download a backup in the demo and your records carry over to the full version.

WHAT IT DOES
- THE TAX POT: from each payment, what to set aside for income tax and Class 4 National Insurance (6% between £12,570 and £50,270, 2% above), plus student loan Plan 1, 2, 4 or 5 and a postgraduate loan if you have them. A steady share of every payment from the profit you expect, or as you go. Other income such as a job uses your Personal Allowance first. Scottish income tax bands too. Set aside records it; the app never moves money.
- INCOME: payments on the day they arrived (the cash basis), turnover or other business income, each with its share for the pot.
- EXPENSES IN THE SELF ASSESSMENT CATEGORIES: cost of goods, car van and travel, premises, repairs, phone and office, advertising, bank charges, accountancy and the rest, each allowable or not, with what each category covers.
- MILEAGE AT HMRC RATES: 45p a mile for the first 10,000 business miles in the tax year, then 25p; motorcycle 24p, bicycle 20p. Added to your expenses.
- INVOICES OWED AND PAID: numbered, sent or draft, past its due date. Mark one paid and the payment joins your income on that day. It tracks invoices; it does not make or send them.
- QUARTERS FOR MAKING TAX DIGITAL: totals for each quarter and the year in every category, with the update dates (7 August, 7 November, 7 February, 7 May), standard or calendar quarters, whether MTD applies to you yet, and a VAT threshold check. The app does not send anything to HMRC: the totals are ready for HMRC-recognised software or your accountant.
- CSV FOR YOUR ACCOUNTANT: every payment, expense and journey with its date, quarter, Self Assessment category, allowable and amount, plus totals by quarter.
- RATES 2026/27, EDITABLE: the Personal Allowance and bands, Class 4, student loan thresholds, mileage, the trading allowance and VAT, each labelled. If HMRC changes one, type over it.
- RIGHT NOW: in ADHD-friendly mode, one thing at a time: set aside from a payment, an invoice past its date, a quarter just ended.
- TWO MODES: ADHD-friendly (one next step, whole pounds, Focus) or Standard (pence, a Coming up list, expenses by category). Same features, switch any time.
- MAKE IT YOURS: 8 colour schemes or your own colour, light or dark, 5 font choices including Atkinson Hyperlegible, text size, density and reduced motion.
- BACKUPS: download a backup and restore it on another device.

WHAT YOU GET
Two PDFs on your Etsy downloads page (open etsy.com in a web browser, not the Etsy app):
- Start here: your private link to the full app, how to add it to your Home Screen, and how to bring your demo records across.
- How-to guide: every screen, step by step, with pictures.
Lifetime updates: new versions arrive by themselves the next time you open it online. Personal licence for your own devices.

WORKS ON
- iPhone and iPad: open the link in Safari, then Share, then Add to Home Screen.
- Android: open it in Chrome, then the menu (three dots), then Add to Home screen.
- Windows, Mac and Chromebook: any up-to-date browser (Chrome, Edge, Safari or Firefox). Chrome and Edge can install it as an app.
Once it is on your Home Screen it opens with no internet. Nothing to download from an app store, no account, no login.

YOUR RECORDS STAY ON YOUR DEVICE
Everything you type is saved in the browser on your phone or computer. There is no account, no bank connection, no analytics, and nothing is sent anywhere, including to HMRC. Download a backup now and then, and keep your receipts and bank statements too.

WHO IT IS FOR
UK sole traders, freelancers and side businesses on the cash basis who want to know what to put aside for tax and have their records ready for Self Assessment and Making Tax Digital. Figures are for the 2026/27 tax year as we understand them, and every one is editable. Not tax advice: an accountant or HMRC can confirm your own bill.

BUY TWO OR MORE: use code PICK2 at checkout for 20% off any two or more items from the shop, until 31 January 2027.

INSTANT DIGITAL DOWNLOAD. Nothing is posted. Because the files arrive the moment payment clears, Etsy does not allow returns on digital items. If anything does not open or is not as described, message us before leaving a review and we will fix it or refund you.
Personal use only. Please do not share, resell or redistribute the files or the link.
Stuck? Message the shop with a screenshot and a person replies within a day.

Designed and built by Neat Wren Studio. Layouts, formulas and code are built with digital tools, including AI assistance for structure and copy; no AI-generated artwork.