UK sole trader tax, explained without the jargon
HMRC rules, Self Assessment, Making Tax Digital, expenses, VAT. Everything you need to stay compliant and keep more of what you earn.
What Is Making Tax Digital for Income Tax?
From April 2026, sole traders earning £50k+ must keep digital records and file quarterly updates. Here’s exactly what changes and what you need to do — in plain English.
How to Register for Self Assessment with HMRC
Step-by-step guide to registering as self-employed and getting your UTR number. Complete in 20 minutes online.
Allowable Expenses: The Complete HMRC List for Sole Traders
Every expense category HMRC allows — home office, travel, equipment, phone, training. Reduce your tax bill legally.
Payment on Account: Why Your January Bill Is Bigger Than You Think
The system that catches thousands of new sole traders off guard every January — explained clearly.
What Is a UTR Number and How Do You Get One?
Your Unique Taxpayer Reference explained — what it is, how to get it, where to find it if you’ve lost it.
Do I Need to Register for VAT? The £90,000 Threshold Explained
When you must register for VAT, what it means in practice, and when voluntary registration makes sense.
How to Set Aside Money for Tax: The 25–30% Rule
The system every sole trader needs to avoid a January cash crisis — and how much you actually need to save.
IR35 Explained for Sole Traders: Do You Need to Worry?
IR35 technically applies to Ltd companies, not sole traders. But HMRC can still question your employment status. Here’s what to know.
I Have a Job AND Freelance Income: How Does Tax Work?
How HMRC taxes employment and self-employment income together — National Insurance, Self Assessment, and what to save.
What Is Making Tax Digital for Income Tax? Full Guide
Everything you need to know about MTD ITSA — who it affects, key dates, what software you need, and the quarterly process.
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