UK Sole Trader Tax Workbook 2026/27 – Self Assessment & MTD Spreadsheet, SA103 Expenses, Mileage Log

Keep your sole-trader records for the 2026/27 tax year in one spreadsheet, and know what you will owe before January.

This workbook gives you three simple logs (income, expenses and business mileage) and turns them 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.

Launch price until 30 November 2026.

AT A GLANCE

• File format: one .xlsx spreadsheet (about 0.3 MB), instant digital download. 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.

• Editable: every blue cell is yours to type in; everything else is calculated. Formulas only: no macros, nothing to enable.

• Region and year: 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.

• 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.

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 by me with the help of AI tools. Every formula is tested, and the example year is checked by hand.

DELIVERY AND REFUNDS

Payhip emails your download link the moment the payment goes through, and the file stays in your Payhip library. If the file does not open on your device, reply to that email or message me within 14 days for a replacement file or a full refund. One purchase is one licence for your own business records; please do not share or resell the file.