{"product_id":"uk-sole-trader-money-tracker-2026-27-excel-google-sheets","title":"UK Sole Trader Money Tracker 2026\/27 | Excel \u0026 Google Sheets","description":"\u003cp\u003e\u003cstrong\u003eLog what comes in and what goes out. See your profit, a rough tax bill and your quarter totals for Making Tax Digital.\u003c\/strong\u003e One spreadsheet for the 2026\/27 tax year (6 April 2026 to 5 April 2027), made for one-person trades: nail techs, lash and brow artists, hairdressers, barbers, dog groomers, cleaners, tattoo artists and personal trainers.\u003c\/p\u003e\n\u003ch3\u003eWhat it does\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAdds up your income and expenses by month and by quarter.\u003c\/li\u003e\n\u003cli\u003ePuts every expense in the right HMRC Self Assessment category (the boxes on the self-employment pages).\u003c\/li\u003e\n\u003cli\u003eWorks out mileage at HMRC's 45p and 25p rates, and use of home at HMRC's flat rates.\u003c\/li\u003e\n\u003cli\u003eGives a rough estimate of income tax and Class 4 National Insurance at 2026\/27 rates, and checks whether the £1,000 trading allowance beats your actual expenses.\u003c\/li\u003e\n\u003cli\u003eShows how much to put aside each month.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat's inside, sheet by sheet\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eStart here:\u003c\/strong\u003e numbered steps, including how to open it in Google Sheets.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSettings:\u003c\/strong\u003e business name, trade, Scottish taxpayer yes\/no, opening bank balance, % to put aside for tax, your own income categories.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eIncome log:\u003c\/strong\u003e date, client, service, category, cash\/card\/bank, amount and tips. Room for 1,000 entries.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExpenses log:\u003c\/strong\u003e date, supplier, what for, HMRC category dropdown, amount, receipt kept, allowable or not. Room for 300.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMileage log:\u003c\/strong\u003e business journeys, with the 10,000-mile switch from 45p to 25p worked out for you. Room for 300.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eUse of home:\u003c\/strong\u003e hours worked at home each month, turned into HMRC's flat-rate claim.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonthly summary:\u003c\/strong\u003e income, expenses, mileage, use of home, profit and running profit for each tax month.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTax estimate:\u003c\/strong\u003e personal allowance (including the taper over £100,000), 20\/40\/45% bands, Class 4 NI at 6% and 2%, Class 2 note, trading allowance check, payments on account warning.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMTD quarters:\u003c\/strong\u003e income and each expense category for the four standard quarters, plus year-to-date totals.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eKey dates:\u003c\/strong\u003e payment and filing deadlines for 2025\/26 and 2026\/27, with days to go.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eFormulas are locked so you can't break them by accident. Yellow cells are yours to fill in. It comes with demo data so you can see it working; the Start here sheet tells you how to clear it.\u003c\/p\u003e\n\u003ch3\u003eHow delivery works\u003c\/h3\u003e\n\u003cp\u003eAfter checkout you get a download link. Open the file in Excel, or upload it to Google Drive and open with Google Sheets. Nothing to install.\u003c\/p\u003e\n\u003ch3\u003eHonest limits\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eIt's an estimate to help you set money aside, not tax advice. Check with HMRC or an accountant.\u003c\/li\u003e\n\u003cli\u003eIt isn't Making Tax Digital software and can't send anything to HMRC. It gives you the totals to copy into MTD or bridging software.\u003c\/li\u003e\n\u003cli\u003eThe tax estimate assumes this business is your only income and uses the England, Wales and Northern Ireland income tax bands. Scottish income tax bands are different; the sheet shows a clear note if you say you're a Scottish taxpayer.\u003c\/li\u003e\n\u003cli\u003eNo student loan, pension or other reliefs are included.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eFAQ\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eDo I need Excel?\u003c\/strong\u003e\u003cbr\u003eNo. It works in free Google Sheets too: upload it to Google Drive and open it with Google Sheets.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDo I need Making Tax Digital?\u003c\/strong\u003e\u003cbr\u003eFrom 6 April 2026 if your qualifying income is over £50,000, from April 2027 if it's over £30,000, and from April 2028 if it's over £20,000. The MTD quarters sheet gives you the numbers; you'll still need MTD-compatible software to send them.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eCan I use it for next tax year?\u003c\/strong\u003e\u003cbr\u003eThis file is set up for 2026\/27 dates and rates. Save a blank copy before you start if you want to reuse the layout, but the tax rates and dates would need checking for a new year.\u003c\/p\u003e","brand":"KitForge","offers":[{"title":"Default Title","offer_id":59266076016972,"sku":null,"price":9.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1102\/9993\/9148\/files\/kf-tracker-1-cover.png?v=1792253682","url":"https:\/\/kitforge.uk\/products\/uk-sole-trader-money-tracker-2026-27-excel-google-sheets","provider":"KitForge","version":"1.0","type":"link"}