Why this one
The line that actually matters is £1,000 of gross trading income. Under it you owe no tax on the income and you do not need to file. Over it you must register and file, even if the trading allowance leaves you with nothing to pay. The £3,000 threshold you may have read about was announced in March 2025 with no start date and is not in force, so this workbook tracks you against the £1,000 and explains the £3,000 rather than pretending it is law. It also adds your side income on top of your employed salary, so the tax estimate is the marginal rate you will actually pay rather than a basic-rate guess.
What you get
- One Excel workbook (.xlsx) with 12 tabs: Start Here, Dashboard, Settings, Income, Expenses, Mileage, Home Working, Quarterly Summary, Do I Need To File, Tax Estimate, Rates 2026-27, Lists
- A quick start guide (PDF) with instructions for Excel and for Google Sheets
- Income and expense categories written for your trade, not a generic list
- A dashboard showing profit, tax to set aside and where the money went
- A sourced rates tab listing every figure with the GOV.UK page it came from
Made for
Anyone earning extra alongside PAYE employment — selling, freelancing or gig work.
Not the right fit for
Full-time self-employed people, who need the sole trader workbook.
Built for the 2026/27 UK tax year
Every figure is for the 2026/27 tax year and sits on its own tab with the GOV.UK page it came from, so you can check our working.
- Mileage at 55p for the first 10,000 miles, then 25p. This rose from 45p and was backdated to 6 April 2026, so older templates under-claim.
- Personal allowance of £12,570, with the taper above £100,000
- Income tax for England, Wales and Northern Ireland, and all six Scottish bands from 19% to 48%
- Class 4 National Insurance at 6% and 2%, and the Class 2 position
- Working from home flat rates of £10, £18 and £26 a month
- Expense categories matching the boxes on the HMRC self-employment pages, so nothing needs re-sorting in January
- Making Tax Digital quarter dates: 7 Aug 2026, 7 Nov 2026, 7 Feb 2027 and 7 May 2027
Want your full tax bill worked out, salary included? The Income & Side-Hustle Tax Planner puts your PAYE pay and your side income together, so you see the combined tax and exactly what to set aside.
Questions
Do I need Microsoft Excel?
No. It imports into Google Sheets, which is free.
Is it a subscription?
No. Pay once and the files are yours to keep.
Can I change it?
Yes. Nothing is locked or password protected and every formula is visible.
When do I get it?
Immediately, as soon as payment clears.
Will it file my tax return?
No, and no spreadsheet can. It gives you the figures to file with.
What about next year?
This is the 2026/27 edition. April’s version is a separate product.
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.
General information to help you keep records and plan — not tax advice, and not HMRC filing software.
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