What it does
- Tells you whether you have to make payments on account (it checks the £1,000 and 80% rules).
- Works out each payment, the balancing payment, and the totals for January and July 2027.
- Takes off payments on account you have already made, and shows any refund.
- Compares your expected 2026/27 bill to see whether asking HMRC to reduce them is worth considering, with the risks spelled out.
- Builds a monthly saving plan so the money is there on the day.
- Explains how payments on account work with a simple worked example.
Made for
Anyone who files Self Assessment and wants to know what to pay on 31 January and 31 July 2027.
Not the right fit for
People whose tax is all collected through PAYE, or partnerships and trusts.
Do I need Microsoft Excel?
No. It works in free Google Sheets too (File, Import, Upload).
Is it a subscription?
No. Pay once and the file is yours to keep.
Is this tax advice?
No. It is a planning and record-keeping tool. Rules were checked against GOV.UK on 25 October 2026, and HMRC's own calculation is the official figure.
When do I get it?
Immediately, as soon as payment clears.
The SmartSaver promise
Instant download, yours to keep — no subscription. If a file is faulty or not as described, email team@getsmartsaver.co.uk within 30 days for a replacement or a refund. Lost your download link? We re-send it free.
A planning tool, not tax advice and not HMRC filing software.
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