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

What's inside

Income and expense logs with dropdown categories that match the SA103 expense boxes
Business-use % for mixed costs. Non-allowable costs are excluded automatically.
Mileage log at HMRC simplified rates (55p for the first 10,000 miles in 2026/27, then 25p), worked out for you
Summary of every expense box, net profit, and the £1,000 trading allowance check
Income tax + Class 4 NI estimate, with editable rates
MTD standard update periods with deadlines (7 Aug, 7 Nov, 7 Feb, 7 May) and cumulative year-to-date totals
Works in Excel and Google Sheets. No macros. One-off payment, no subscription.

Who it's for

Freelancers, tradespeople, cleaners, tutors, side-hustlers and anyone else in England, Wales or NI who files Self Assessment and wants clean records without paying monthly for software. Making Tax Digital for Income Tax started in April 2026 for people with qualifying income over £50,000. It extends to income over £30,000 from April 2027 and over £20,000 from April 2028 (each based on an earlier tax year). Spreadsheets are still allowed with bridging software. See gov.uk.

Estimate only, not tax advice. These figures use 2026/27 gov.uk rates for England, Wales and Northern Ireland (not Scotland). They exclude student loans, payments on account and other reliefs. Check with HMRC or a qualified accountant before you file or pay.

FAQ

How do I get it? Straight after payment you're taken to the download page. Stripe also emails your receipt.

Refunds? Digital download. If the file won't open, contact us within 14 days and we'll fix it or refund you.

Is this tax advice? No. It's a record-keeping template with a rough estimate. Check anything important with HMRC or an accountant. It doesn't cover Scottish income tax rates.