UK Self-Employed Tax Tracker 2026/27 — Excel Income, Expense & Tax Spreadsheet

Know your tax bill all year round — not as a nasty surprise in January.

The UK Self-Employed Tax Tracker 2026/27 is an Excel spreadsheet built for sole traders, freelancers and side hustlers. Log your income and expenses in seconds, and the dashboard instantly shows your taxable profit, income tax, Class 4 National Insurance and exactly how much to set aside each month — all calculated with official HMRC rates for the 2026/27 tax year.

Built by a former HMRC worker who knows exactly what self-employed people get wrong at self-assessment time.

What's inside:

• Income log — date, client, amount, paid/invoiced status (300 rows ready to go)
• Expenses log — with HMRC-friendly categories built in (travel, home office, software, professional fees and more), so your records match what self-assessment actually asks for
• Live tax dashboard — taxable profit, income tax band by band, Class 4 NI, effective tax rate, and a suggested monthly set-aside so the January bill never catches you out
• Making Tax Digital ready — see your income totals for each MTD quarterly update period (mandatory from April 2026 if you earn over £50,000)
• Rates tab — every threshold in one editable place, so updating for future tax years takes 30 seconds

Why this tracker:

✔ Accurate 2026/27 rates: £12,570 personal allowance (with taper), 20/40/45% tax bands, 6%/2% Class 4 NI

✔ No formulas to build, no setup — enter your figures in the blue cells, and everything calculates

✔ Works with Microsoft Excel, Google Sheets and LibreOffice

✔ No subscription, no account — one payment, yours forever

✔ Instant digital download

Perfect for: freelancers, sole traders, contractors, Etsy and eBay sellers, delivery drivers, tutors, cleaners, tradespeople — anyone doing UK self-assessment for the 2026/27 tax year.

Digital product — instant download after purchase. Guidance tool, not tax advice.