UK sole trader tax tracker
Keep your cash records together and plan your 2026/27 tax reserve, for sole-trade income only.
Illustrative preview. Download files contain calculator examples and blank trackers.
UK checkout total, including 20% VAT. Applicable taxes for other locations are shown at checkout.
Excel .xlsxGoogle SheetsLight / dark stylingNo paid desktop Excel is needed. Open the .xlsx files in free Excel for the web with a Microsoft account and internet access. The standalone 500-row Profit & Sales workbook was tested by the owner in Excel for the web. Other workbook versions have not been tested there, and some features may differ.
- 100 cash entries, monthly cash flow and an annual Income Tax plus Class 4 reserve.
- England/Wales/Northern Ireland and Scotland, with Personal Allowance taper.
- Choose actual allowable paid costs or the trading allowance if eligible.
The estimate is for one UK-resident, eligible cash-basis sole trade with solely trading income and standard allowances, age 16 to below State Pension age throughout the year. Employment alongside reselling and mixed income are excluded.
Tax eligibility and calculation details
Designed for one UK-resident sole trade using eligible cash-basis accounting, standard allowances and solely trading income, aged 16 to below State Pension age throughout the year.
Employment alongside reselling and mixed income require a broader calculation. Other excluded cases include pensions, interest, dividends, property or foreign income, VAT registration and margin schemes, companies, partnerships, student loans, Child Benefit charge, pension/Gift Aid relief, other allowances, losses and loss relief, prior-year adjustments and NI annual maxima.
The reserve covers annual Income Tax and Class 4. Payments on account, existing payments, voluntary Class 2 and tax-return rounding are separate, so it is not your HMRC balance due. This is a planning template rather than tax-return, VAT or Making Tax Digital submission software.
Rules checked against GOV.UK/HMRC guidance on 20 October 2026. No independent qualified tax review or HMRC approval is claimed. Full scope and source notes are included.
GBP price. Any applicable checkout tax is shown before payment. One-off digital download.
Getting started
Download and extract the ZIP, keep an untouched backup, and read START_HERE and the workbook’s Read me sheet. For Excel for the web, sign in to Microsoft with a free account and open the .xlsx file in OneDrive. For Google Sheets, open the included access guide (TXT or HTML), follow the links for your purchased templates and choose File > Make a copy. A Microsoft or Google account is needed to save an editable copy. Edit amber inputs and correct Review flags before relying on the totals.
Trackers have 100 fixed records. Standalone files do not synchronise. No automatic bank or marketplace feeds, VAT returns or submission software are included. Commercial results are before tax.
Checked with calculation and workbook-structure tests, plus representative tasks in Windows desktop Excel. Native Google Sheets versions were checked in the browser. The 500-row Profit & Sales workbook was tested by the owner in Excel for the web on another PC. Other workbook versions, Excel for Mac, mobile apps and offline Google Sheets use have not been tested. Some features can differ between spreadsheet apps.
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