Freelance Expense Log & Tax Pot Estimator

Log your mileage and business expenses, and see a live estimate of the Income Tax and Class 4 National Insurance to set aside — for UK sole traders who don't need Xero or QuickBooks.

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Estimate only, not tax advice. This tool applies simple HMRC-style formulas to the figures you enter — it doesn't know your full tax position (other income, pensions, Gift Aid, student loans, marriage allowance, Scottish rates, etc.). Rates below are editable and default to published 2026/27 figures; always confirm against gov.uk or an accountant before relying on this for your Self Assessment.

Ledger

Tax year · rows are calculated top-to-bottom, so mileage tiering follows the order shown here.

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Date	Category	Description	Miles / Hours	Amount (£)

No rows yet — click "Add row" to log your first bit of income or an expense.

Your tax pot

Updates live as you edit the ledger.

Total income: £0.00
Total allowable expenses: £0.00
Net profit: £0.00
Personal Allowance used: £0.00
Income Tax: £0.00
Class 4 National Insurance: £0.00
Voluntary Class 2 NI: £0.00

Include voluntary Class 2 NI (protects your State Pension record if profit is below the Small Profits Threshold)

Set aside

£0.00

0% of net profit · about £0.00/month for the rest of

Tax settings & rates ⌄

Defaults reflect published 2026/27 figures. The Personal Allowance and Income Tax thresholds have been frozen since 2021/22 and are legislated to stay frozen through 2027/28 — but Budgets can still change National Insurance rates, so double-check before relying on these. Every figure below is editable.

Personal Allowance Higher-rate threshold Additional-rate threshold Basic rate % Higher rate % Additional rate % Class 4 NI lower limit Class 4 NI upper limit Class 4 NI main rate % Class 4 NI additional rate % Mileage — car/van, first 10,000mi (p/mi) Mileage — car/van, after 10,000mi (p/mi) Mileage — motorcycle (£/mi) Mileage — bicycle (£/mi)

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Restoring replaces your ledger and tax settings in this browser with what's in the file. It never touches your subscription — a backup file can't grant free access.

Ledger

Your tax pot

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