Sole Trader Tax Tracker

The Sole Trader Self-Assessment Tax Tracker is a ready-made spreadsheet for UK sole traders. It tracks your income, expenses and tax bill through the year, for a one-off £21.99.

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At a glance

It’s a spreadsheet, not software. You log your income, expenses and business mileage, and the tracker estimates your tax bill as you go and lays out the figures by SA103 box number, ready for your Self Assessment return.

£21.99

2025/26

Tax year covered

One-off, no subscription

The Sole Trader Self-Assessment Tax Tracker is our own product, made by Rootstock Planning, the team behind Sole Trader Toolkit. We earn money when you buy it.

What is the Sole Trader Tax Tracker?

It’s a digital spreadsheet for UK sole traders who aren’t VAT registered, created by a qualified accountant and sold by Rootstock Planning. You record income, expenses and mileage as they happen, and it shows your estimated Income Tax and Class 4 National Insurance building up over the year. It works on the cash basis, in both Excel and Google Sheets, and the current version covers the 2025/26 tax year.

Is the Sole Trader Tax Tracker free?

No. It costs £21.99 as a one-off purchase, with no subscription and no free trial. It’s an instant download, and the instructions are inside the file.

Key features

Running estimate of your Income Tax and Class 4 National Insurance at 2025/26 rates
Set-aside tracker showing how much you still need to put by for your tax bill
Expense categories mapped to the SA103 box numbers on your return
Business-use percentage on each expense, so only the claimable part counts
Mileage allowance worked out at HMRC rates, switching from 45p to 25p after 10,000 miles
Checks for the trading allowance and Class 2 National Insurance credits
Optional entries for employment income, savings interest and dividends, for a closer estimate
Built-in MTD Checker to see whether Making Tax Digital applies to you
Works in Excel and Google Sheets

What’s inside?

The tracker has eight tabs. Yellow cells are for you to fill in and everything else calculates automatically.

Start Here - your details, key dates and step-by-step instructions
Dashboard - your income, profit and estimated tax bill at a glance
Income Log - room for 200 payments, with source and payment method
Expenses Log - room for 200 expenses, with category, business percentage and a receipt check
Mileage Log - room for 200 journeys, with the allowance calculated for you
Tax Summary - your figures set out by SA103 box number
Calculations - the full Income Tax and National Insurance working
MTD Checker - whether and when Making Tax Digital applies to you

Pricing

There’s one price and no ongoing cost.

Sole Trader Self-Assessment Tax Tracker - £21.99

A one-off payment:

Instant digital download
Covers the 2025/26 tax year - future years are sold separately
For Excel and Google Sheets
Instructions included in the file
No subscription

Because it’s a digital download, there’s no cooling-off period once you’ve accessed the file. Rootstock Planning will refund you if the file is faulty or can’t be opened, if it’s significantly not as described, or if you bought it by mistake and get in touch before downloading it.

Is the Sole Trader Tax Tracker MTD compatible?

No. It’s a spreadsheet for tracking your figures and preparing for Self Assessment, and it doesn’t submit anything to HMRC. It does include an MTD Checker that compares your self-employment income with the MTD thresholds and tells you whether, and when, Making Tax Digital for Income Tax applies to you. If it does, you’ll need HMRC-recognised software for your quarterly updates - see our MTD Software directory.

Pros and cons

Pros:

One-off cost with no subscription
Shows your estimated tax bill, and how much to set aside, as the year goes on
Figures laid out by SA103 box number, ready for your return
Mileage allowance and business-use splits worked out for you
Works in Excel or Google Sheets
MTD Checker included

Cons:

Doesn’t file anything with HMRC
Not MTD software - no quarterly updates
For non-VAT registered sole traders only
Manual entry, with no bank feeds or receipt capture
Covers one tax year - next year’s version is a separate purchase
Tax figures are estimates, so check rates at GOV.UK before you file

Who is the Sole Trader Tax Tracker best for?

The tracker suits non-VAT registered sole traders who are below the Making Tax Digital threshold, like working in a spreadsheet and want something ready-made instead of a blank sheet. It keeps your records in order, tells you how much to set aside and gives you the numbers for each box on your return. If MTD already applies to you, or you want bank feeds and invoicing, accounting software is the better fit.

Get the Sole Trader Tax Tracker

Frequently asked questions

How much does the Sole Trader Tax Tracker cost?

£21.99 as a one-off payment. There’s no subscription.

Does it work in Google Sheets?

Yes. It works in both Excel and Google Sheets.

Does it file my tax return?

No. It estimates your tax and sets out your figures by SA103 box number, so they’re ready to enter in your Self Assessment return.

Do I get next year’s version too?

No. Each version covers one tax year. The current one is for 2025/26.

Can I get a refund?

It’s a digital download, so there’s no cooling-off period once you’ve accessed it. Rootstock Planning refunds faulty files, products that are significantly not as described, and purchases made by mistake if you get in touch before downloading.

Can I use it for Making Tax Digital?

It isn’t MTD software and doesn’t send quarterly updates. It includes an MTD Checker so you can see whether MTD applies to you.

Who makes the Sole Trader Tax Tracker?

Rootstock Planning, the team behind Sole Trader Toolkit. It was created by a qualified accountant.

Compare spreadsheet and planning tools for sole traders

The Sole Trader Tax Tracker is one option among several worth comparing. Browse the full Spreadsheet & Planning Tools directory to compare it against Microsoft Excel, Google Sheets and other options.

Pricing correct at time of publication. Check the Rootstock Planning website for the current price and tax year.