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VAT

VAT Calculator

Add, remove and reverse VAT at 20%, 5% or 0%. Includes the Flat Rate Scheme.

Corporation Tax

Corporation Tax Estimator

Estimate CT600 with marginal relief between £50k and £250k profit.

Dividends

Dividend Tax Calculator

Salary + dividends modelled for limited-company directors, with the £500 allowance.

Capital Gains

Capital Gains Tax Calculator

Residential vs other assets, £3,000 annual exempt amount, BADR included.

Stamp Duty

Stamp Duty & LBTT Calculator

SDLT, Scottish LBTT and Welsh LTT in one place. First-time buyer and ADS supported.

Self-Employed NI

Self-Employed NI Calculator

Class 2 and Class 4 NI for sole traders. 6% / 2% bands handled automatically.

IR35

IR35 Inside vs Outside Calculator

Inside vs outside IR35 take-home for limited-company contractors.

Deadlines

Tax Deadline Checker

Self-Assessment, VAT, CT600, P11D and Confirmation Statement — late-filing exposure.

Clearance letter

Clearance Letter Generator

Tell us once. We auto-draft your professional clearance letter and start the handover today.

Employer NI

Employer PAYE Calculator

True cost of employment: employer NI at 15%, auto-enrolment pension, monthly breakdown.

Structure comparison

Sole Trader vs Ltd Co Calculator

Side-by-side take-home comparison: sole trader vs Ltd Co salary + dividends.

Property

Rental Income Tax Calculator

Section 24 mortgage interest credit, allowable expenses, higher-rate landlord impact.

VAT

VAT Threshold Checker

Rolling 12-month turnover vs £90k threshold. Cash-flow impact of registration modelled.

Making Tax Digital

MTD for Income Tax Checker

Turnover plus rent vs the £50k, £30k and £20k thresholds. Your start date in seconds.

Pension

Pension Tax Relief Calculator

Basic/higher/additional rate relief, annual allowance, carry-forward note. Scottish rates supported.

HMRC penalties

HMRC Interest & Penalties Calculator

Daily interest at HMRC's current rate plus fixed penalties for SA, CT, VAT and PAYE late payments.

Late commercial payments

Late Invoice Interest Calculator

Statutory interest and compensation on an overdue business invoice.

Scottish Tax

Tax Calculator Scotland

Scottish income tax, NI and take-home pay for 2026/27, with a live rest-of-UK comparison.

Hourly Pay

Hourly Wage Calculator

Hourly rate to annual salary and net pay per hour. Overtime, part-time hours and Scottish rates included.

New company

First-Year Checklist Generator

Personalised HMRC & Companies House deadline checklist for newly incorporated UK companies.

Scottish Property Tax

LBTT Calculator Scotland

Scottish LBTT band by band, with first-time buyer relief, 8% ADS and commercial rates.

HMRC Compliance

HMRC Enquiry Risk Checker

Score your HMRC enquiry risk based on sector, expenses, turnover pattern and filing history.

Benefit in Kind

Company Car Tax Calculator

P11D value × CO2 percentage = BIK charge. Electric cars at 4% for 2026/27.

Construction Industry Scheme

CIS Deduction Calculator

20%, 30% or 0% CIS deductions on subcontractor payments. Net payment and annual cost shown.

Statutory Pay

Maternity Pay Calculator

SMP: 90% for 6 weeks then up to £194.32/week for 33 weeks. Employer recovery shown.

Statutory Pay

Sick Pay Calculator

SSP from day one at the lower of £123.25/week or 80% of earnings, for up to 28 weeks.

R&D Tax Credit

R&D Tax Relief Estimator

Merged R&D scheme: 20% above-the-line credit on qualifying expenditure. Loss-making rate shown.

Capital Allowances

AIA Checker

£1m AIA on plant and machinery. 18% Writing Down Allowance on the remainder.

Director Pay Planning

Dividend vs Salary Optimiser

Optimal salary + dividend split for Scottish Ltd Co directors. Scottish 42% higher rate changes the crossover vs rUK.

Payments on Account

Payments on Account Calculator

January and July Self Assessment instalments, including the first-year 150% shock.

Child Benefit Charge

Child Benefit Tax Charge Calculator

The £60k–£80k Child Benefit clawback, and the pension contribution that clears it.

£100k Tax Trap

£100k Tax Trap Calculator

The 60% / 69.5% band between £100k and £125,140, and the pension fix.

Salary Sacrifice

Salary Sacrifice Pension Calculator

Take-home cost vs pension gained, with the employer NI saving.

Student Loan

Student Loan Repayment Calculator

Monthly repayments on every plan, Scotland's Plan 4 first.

Tax Code

Tax Code Checker

Decode 1257L, S codes, BR, K and emergency codes — and the cost.

Mileage Allowance

Mileage Allowance Calculator

55p / 25p approved mileage, and the relief when your employer pays less.

Simplified Expenses

Simplified Expenses Calculator

Flat-rate use of home and 55p mileage for sole traders.

Trading Allowance

Trading Allowance Checker

Is your side hustle under £1,000 — and allowance or expenses?

Selling Online

Selling Online Tax Checker

Will the platform report you, and do you actually owe tax?

Inheritance Tax

Inheritance Tax Calculator

Nil-rate bands, the £2m taper, BPR limits and pensions from 2027.

Director's Loan

Director's Loan s455 Calculator

s455 at 33.75% / 35.75%, the 9-month deadline and the £10k BIK test.

Redundancy Tax

Redundancy Pay Tax Calculator

£30,000 tax-free, PILON taxed, statutory weeks from age and service.

Bonus Tax

Bonus Tax Calculator

Bonus take-home on Scottish or UK rates, with bonus sacrifice.

Pro-Rata Salary

Pro-Rata Salary Calculator

Part-time salary, hourly rate and pro-rata holiday.

Crypto Tax

Crypto Tax Calculator

Section 104 pooled cost, £3,000 allowance, 18% / 24%.

Gift Aid

Gift Aid Calculator

25% to the charity, plus your higher-rate relief.

Small Business Bonus

Small Business Bonus Scheme Checker

100% relief to £12,000 rateable value, tapers to £20,000.

Tax Refund

Tax Refund Estimator

Uniform, WFH, fees and mileage — up to four years back.

Take-Home

Salary Take-Home Calculator

Net pay after tax, NI, pension, student loan, bonus and salary sacrifice. Tax codes and Scottish rates supported.

Tax

Can't File Your Tax Return by 31 January? What Happens and What to Do

Missing 31 January costs £100 straight away, but the bigger costs come later. Pay what you can now, file as soon as possible, and set up Time to Pay if needed.

Tax

Missed the 5 October Self Assessment Registration Deadline? What to Do Now

Missing 5 October rarely costs anything if you act now. How to register late, get your UTR in time and avoid a failure-to-notify penalty.

Construction

CIS Deductions and Cash Flow: A Glasgow Subcontractor's Guide

CIS deductions reduce the cash a Glasgow subcontractor receives on every payment — 20% for registered subcontractors, 30% for unregistered. The deducted tax is recoverable through self-assessment, but managing the timing requires careful cash-flow planning.

Property

Capital Gains Tax Scotland: Selling Property in 2026/27

Capital gains tax on UK residential property is 18% at the basic rate and 24% at the higher rate in 2026/27. Scottish sellers must also file a 60-day CGT return after completion, separate from their annual self-assessment.

Advisory

Glasgow Business Rates 2026/27: Rates, Reliefs and How to Apply

How Glasgow business rates are calculated in 2026/27, which Scottish reliefs can reduce the bill, and what local businesses need to apply for.

Cloud Accounting

Xero vs QuickBooks vs FreeAgent for Glasgow Businesses: Which is Right for You?

Xero, QuickBooks, and FreeAgent are the leading cloud accounting platforms for Glasgow businesses. Each suits different business types — here is an honest comparison to help you choose.

Contractors

Umbrella vs Limited Company for Aberdeen Oil and Gas Contractors

Aberdeen oil and gas contractors choosing between an umbrella company and a limited company face different IR35 risk profiles, expense rules, and take-home positions. Here is a practical comparison for UKCS workers in 2026/27.

Payroll

Tronc and Tips in Glasgow Restaurants: Payroll, PAYE and the 2024 Act

The Employment (Allocation of Tips) Act 2023, in force from October 2024, requires Glasgow restaurants to pass all tips to workers fairly. Tips paid through a tronc scheme are subject to PAYE. Here is what employers need to know.

Tax

R&D Tax Credits for Glasgow Tech and Creative Businesses

Glasgow tech and creative businesses spending on innovation may qualify for R&D tax credits under the merged scheme. The above-the-line credit is 20% of qualifying R&D expenditure, reducing your corporation tax bill or generating a cash refund.

Tax

Pension Tax Relief in Scotland: How Scottish Rates Affect Your Contributions

Scottish taxpayers receive pension tax relief at their Scottish marginal rate — up to 48% for top-rate payers. Basic-rate relief is added automatically, but Scottish intermediate-rate and higher-rate taxpayers must claim additional relief through self-assessment.

Advisory

How to Pay Yourself as a Glasgow Sole Trader: Tax-Efficient Drawings Explained

A Glasgow sole trader pays Scottish income tax on business profits, not on drawings. Understanding the difference — and setting aside tax as you earn — prevents a cash-flow crisis when the January self-assessment bill arrives.

Locums

NHS Locum Tax Returns in Scotland: A Guide for Bank and Agency Doctors

NHS bank and agency locum doctors in Scotland must complete self-assessment, declare locum income, manage the NHS pension annual allowance charge, and pay Scottish income tax rates of up to 48%.

Tax

HMRC Late Payment Interest: Current Rate and How to Minimise the Charge

HMRC charges simple interest at 7.75% per annum on late tax payments, worked out daily. Understanding how the charge accrues — and how to minimise it — can save a meaningful amount for businesses with cash-flow challenges.

VAT

VAT on Food and Alcohol in Glasgow Hospitality: Standard vs Zero Rate Explained

VAT on food in Glasgow hospitality is complex: hot food, alcoholic drinks, and most restaurant service is standard-rated at 20%, while cold takeaway food is zero-rated. Here is the practical guide.

Payroll

Employing Your First Member of Staff in Scotland: A Tax and Payroll Guide

Taking on your first employee in Scotland means registering for PAYE, calculating employer NI at 15%, setting up auto-enrolment, and filing Real Time Information. Here is the complete checklist.

Payroll

Employer NI 2026/27: The £5,000 Secondary Threshold and 15% Rate Explained

Employer NI is 15% on earnings above the £5,000 secondary threshold for 2026/27. The Employment Allowance is £10,500. Here is what employers in Scotland and across the UK need to understand.

Tax

Dividend Tax for Scottish Directors in 2026/27: What's Different

Dividends are taxed at UK-wide rates for Scottish directors — not Scottish income tax rates. But Scottish income tax on salary affects which dividend tax band applies, making the calculation different from England.

Tax

UK Corporation Tax 2026/27: Rates, Marginal Relief and Key Deadlines

UK corporation tax rates for 2026/27 remain at 19% for profits up to £50,000 and 25% above £250,000, with marginal relief in between. Here is what every UK company director needs to know.

Property

Rental Income and the High Income Child Benefit Charge in Scotland

Rental profits increase your adjusted net income and can push you into the High Income Child Benefit Charge if income exceeds £60,000. Scottish landlords face additional complexity because Section 24 inflates rental income for tax purposes.

Property

Furnished Holiday Lets Abolished 2025: What Scottish Landlords Must Do Now

The furnished holiday let regime ended on 5 April 2025. Scottish FHL owners now pay income tax at Scottish rates on rental profits and lose capital allowances, pension contribution eligibility, and Business Asset Disposal Relief.

Contractors

IR35 and Scottish Tax: How Contractor Take-Home Differs in Scotland

A Scottish contractor caught by IR35 faces the same deemed employment rules as elsewhere in the UK — but Scottish income tax rates apply to the deemed salary, reducing take-home further than an equivalent English contractor.

Tax

The UK VAT Registration Threshold for 2026/27 Explained

A plain-English guide to the £90,000 UK VAT registration threshold for 2026/27 — the rolling 12-month rule, the 30-day deadline, deregistration and voluntary registration.

Tax

Moving to Scotland: Your Tax Position Changes from Day One

Establishing Scotland as your main residence means Scottish income tax rates apply from that tax year. Here is what changes immediately and what you need to tell HMRC.

Property

Scottish ADS at 8%: What Buy-to-Let Landlords Pay in 2026/27

Scotland's Additional Dwelling Supplement stands at 8% from December 2024. Buy-to-let landlords and second-home buyers pay this on top of LBTT on every qualifying purchase above £40,000.

Property

LBTT vs SDLT: What Scottish Property Buyers Pay in 2026/27

Scotland charges Land and Buildings Transaction Tax instead of Stamp Duty Land Tax. This comparison shows the key rate differences for residential buyers in 2026/27.

Tax

Scottish Income Tax Bands 2026/27: All Six Rates Explained

Scotland has six income tax bands in 2026/27 — from the 19% starter rate to the 48% top rate. Here is how each threshold works and who pays which rate.

Tax

Allowable Business Expenses for Sole Traders - Complete Guide for 2026/27

The main allowable expense categories sole traders should track to reduce taxable profits properly.

Tax

Director Salary and Dividends 2026/27 - The Most Tax-Efficient Split

A practical 2026/27 guide to salary, dividends, National Insurance, and tax-efficient director remuneration.

MTD

MTD for Income Tax - What Glasgow Sole Traders Must Do Now

MTD ITSA introduces quarterly digital reporting for affected sole traders and landlords from April 2026.

Tax

Should You Incorporate Your UK Business in 2026?

Work through the practical signs that incorporation may be right for your UK business.

Article

Sustainable Finance and ESG: A Guide for UK Small Businesses

A practical ESG and sustainable finance guide for UK small businesses, covering reporting, funding and tax planning points.

Article

Land Remediation Tax Relief UK Guide for Developers & Investors

A guide to land remediation tax relief for UK developers and investors restoring contaminated or derelict property.