What it does
- Fills in the SA103S boxes (turnover, each expense box, profit, CIS deductions), ready to type into HMRC's online return.
- Income tax at 2025/26 rates (UK or Scottish), Class 4 NI and voluntary Class 2.
- Adds pay and tax from a job or pension (from your P60).
- Works out payments on account for 2026/27 and takes off the ones you have already paid.
- Shows what to pay on 31 January 2027 and 31 July 2027, or the refund due.
Made for
UK sole traders with turnover under £90,000 filing the 2025/26 return, including people who also have a job or pension.
Not the right fit for
Partnerships, limited companies, landlords, or anyone with turnover of £90,000 or more (you need the full SA103F pages).
What’s inside
- Summary dashboard with a chart of your expenses
- Your Details: UK or Scottish rates, vehicle and home options, P60 figures
- Income and Expenses logs for 6 April 2025 to 5 April 2026, auto-sorted into SA103 boxes
- Mileage at the correct 2025/26 rate (45p, then 25p) and the home-working flat rate
- SA103 Boxes and Tax Calculation tabs
- 14-point filing checklist, key dates and penalties
- Every 2025/26 rate with its GOV.UK source
Is this HMRC filing software?
No. You type the figures into HMRC's online return yourself.
Do I need Microsoft Excel?
No. It works in free Google Sheets too.
Does it include savings, dividends or student loans?
No. It covers the self-employment part of your return; those items can change your final bill.
Is it a subscription?
No. Pay once and the file is yours to keep.
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 and record-keeping tool for UK sole traders, not tax advice.
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