TaxReadySheets

No. It keeps your records and works out your figures, but it doesn't connect to HMRC. Most sole traders type the totals from the Annual Summary tab into their online Self Assessment return. If you're in Making Tax Digital, you'll need HMRC-recognised bridging software to read the MTD Quarterly tab and send your quarterly updates. HMRC's software finder on GOV.UK lists your options.

No. It works for any sole trader filing Self Assessment. MTD for Income Tax started on 6 April 2026 for people with qualifying income over £50,000. It extends to those over £30,000 from April 2027 and over £20,000 from April 2028. If you're not in MTD yet, just use the Annual Summary tab for your tax return.

Yes. It works in Excel 2016 or newer (Windows and Mac) and in Google Sheets with a free Google account. Your download includes a PDF with a link: click it and choose "Make a copy". Set it up on a computer first. After that you can check it on your phone.

Enter the full sale price as Money in, then add the platform, payment or card fees as a separate Money out row. HMRC counts your turnover before fees, so recording only the payout makes your income look lower than it is. The What Goes Where tab shows which category each cost belongs in.

You can use it for your income, expenses, mileage, MTD totals and tax return boxes. The Tax Estimate tab doesn't work out Scottish Income Tax, because Scotland has different rates and bands. Choose "Yes" for Scotland on the Settings tab and the sheet will remind you.

No. It's built for sole traders using the cash basis, which is the standard method. It isn't designed for limited companies, partnerships, landlords' property accounts or VAT-registered businesses.

It uses the 2026/27 rates from GOV.UK, and every figure is listed on the Rates tab with its source. It estimates Income Tax, Class 4 National Insurance and payments on account. It's a planning guide, not tax advice, and it doesn't cover savings, dividends, rental profits, student loans or the High Income Child Benefit Charge. If your situation is complicated, speak to an accountant.

Message me on Etsy and I'll reply within 24 hours. As it's a digital download I can't accept returns, but I'll help you get it working. The Start Here tab also has a 10-step setup guide.