Side Hustle Tracker UK Excel, Sole Trader Spreadsheet, Self Employed Income Expense and Tax Tracker 2025 2026 2027, Bookkeeping Template

Side hustle tracker built for UK sellers, freelancers and makers, one Excel workbook that logs your income, expenses and mileage, then tells you exactly how much tax to set aside, all year round.

This is the tracker for anyone earning outside their day job: online sellers, freelancers, delivery riders, tutors, dog walkers, crafters. Log things as they happen and the Tax Estimate tab keeps a live answer to the question that matters: how much will I owe in January?

WHAT IS INSIDE

1. Excel workbook (covers tax years 2025/26 AND 2026/27)
- Income tab: one row per sale or payout, running total, tax year filled in automatically from the date
- Expenses tab: category dropdown (stock, postage, platform fees, phone share, equipment, software, insurance and more)
- Mileage tab: business journeys turned into an HMRC approved-rate allowance (45p and 55p rates built in)
- Tax Estimate tab: compares the 1,000 GBP trading allowance route against your actual expenses and automatically uses whichever saves you more, then estimates your income tax, Class 4 National Insurance and the total to set aside, for each tax year
- Works alongside a day job: enter your employment income and the estimate uses the tax band your side hustle actually lands in, including the allowance taper above 100,000 GBP
- Every tax figure sits in an editable cell, so when HMRC changes a rate you update it in seconds

2. Quick Start Guide (7-page A4 PDF)
- The trading allowance choice explained in plain English
- What you can and cannot claim, category by category
- Mileage rules, National Insurance, registration and filing deadlines
- Payments on account explained with a worked example, so the first big January never surprises you
- Quick answers to the questions every side hustler asks

ALL FIGURES VERIFIED AGAINST GOV.UK

Personal Allowance, tax bands, Class 4 National Insurance, trading allowance and both mileage rates verified September 2026. England, Wales and Northern Ireland bands; Scotland differs.

HOW IT WORKS

1. Buy the listing and download instantly from Etsy after checkout
2. Open the workbook in Microsoft Excel (it also opens in LibreOffice and Google Sheets; formulas are standard)
3. Log income, costs and miles as they happen, five minutes a week
4. Read your live tax estimate any time, and set aside with confidence

PLEASE NOTE

- This is a digital download, no physical item will be posted
- A record keeping and planning tool, not tax advice; always confirm current figures on gov.uk or with a qualified accountant before filing
- Student loans, pension relief and Scottish bands are not modelled in the estimate