UK Sole Trader Bookkeeping Spreadsheet 2026/27 (Excel & Google Sheets)

Know roughly what you'll owe HMRC before 31 January. This UK sole trader bookkeeping spreadsheet for 2026/27 tracks your income and expenses, totals them for your Self Assessment tax return and lays out your Making Tax Digital quarterly figures. Works in Excel and Google Sheets.

Type in what comes in and goes out. The spreadsheet sorts it into HMRC's Self Assessment categories, works out your profit, shows your quarterly MTD figures and estimates how much tax to put aside.

WHO IT'S FOR

• UK sole traders, freelancers and side hustlers (England, Wales and Northern Ireland)
• Anyone who wants to keep using a spreadsheet as Making Tax Digital comes in
• Cleaners, tutors, trades, drivers, creatives, online sellers and more

WHAT'S INSIDE (13 tabs)

• Start Here: a 10-step guide, set up in about 10 minutes
• Settings: a few yellow boxes to fill in once
• Transactions: 1,000 rows, category drop-downs and automatic error checks
• Mileage log: 2026/27 HMRC rates worked out for you (55p, then 25p after 10,000 miles; 24p motorcycles)
• Use of Home: the working-from-home flat rate (£10, £18 or £26 a month)
• Dashboard: income, expenses, profit, tax pot % and a month-by-month chart
• MTD Quarterly: running totals and deadlines, laid out for bridging software
• Annual Summary: totals matched to HMRC's self-employment boxes, plus a check of expenses vs the £1,000 trading allowance
• Tax Estimate: Income Tax, Class 4 NI and payments on account, so January isn't a shock
• Key Dates: every Self Assessment and MTD deadline with a countdown
• Year-End Checklist: 11 checks before you file
• What Goes Where: plain-English guide to which category each cost belongs in
• Rates: every figure used, with its GOV.UK source

WHY THIS ONE

• Up to date for 2026/27, including the new 55p mileage rate
• Every rate is linked to its GOV.UK source
• Warnings for the £90,000 VAT threshold and MTD start dates

YOU'LL RECEIVE

• Blank Excel spreadsheet (.xlsx)
• PDF with your Google Sheets link (click "Make a copy")

WORKS WITH

Microsoft Excel 2016 or newer (Windows and Mac) and Google Sheets with a free Google account. Set up on a computer; after that you can check it on your phone.

PLEASE NOTE

• Digital download only. No physical item will be sent.
• This spreadsheet keeps your records and works out your figures. It does not send anything to HMRC. If you're in MTD, you'll need HMRC-recognised bridging software to submit your quarterly updates.
• The tax estimate is a planning guide, not tax advice. It doesn't cover Scottish Income Tax, rental profits, savings, dividends, student loans or the High Income Child Benefit Charge. Check GOV.UK or speak to an accountant if you're unsure.
• Built for sole traders using the cash basis. Not for limited companies, partnerships or VAT-registered businesses.
• Designed by me with the help of AI tools, then checked and tested by hand.
• For your own business use only. Please don't share or resell.

Questions or stuck? Use the Contact link at the top of my store and I'll reply within 24 hours.