Your SA100, prepared all year.
For UK sole traders, freelancers and side-hustlers. Tag deductible expenses against HMRC Allowable, Capital and Personal categories all year. Export an SA103-ready Schedule of Expenses on demand. Filing in January takes 30 minutes instead of 30 hours.
Allowable Expense Tagger
Tag transactions against actual SA103 categories: office costs, travel, staff costs, premises, repairs, admin, financial costs, interest on loans, irrecoverable debts.
Capital vs Allowable
We distinguish capital (claim via Annual Investment Allowance) from allowable (deduct from profit). Critical — most non-specialists confuse the two.
Simplified Expenses Mode
For mileage, home-as-office, food. Apply HMRC simplified rates (£0.45/mile first 10,000, £0.25 after; £10/£18/£26 per month home office; meals at £5/£10/£25). Or use actual costs.
Class 2 + Class 4 NI
Estimate Class 2 (£3.45/week if profit > £6,725) and Class 4 (9% / 2% above £50,270) National Insurance. Roll into your January 31 payment estimate.
Payment on Account
If you owe > £1,000, HMRC requires payments on account in January and July. We calculate and remind.
CGT Reporter
Track capital gains on investments above the annual exempt amount (£3,000 from 2024-25). Export ready for the CGT section.
How it works
- 1
Tag throughout the year
Categorise transactions as you go — Allowable / Capital / Personal. Takes 30 seconds per week, not 30 hours in January.
- 2
Pick your method
Simplified expenses (HMRC flat rates) or actual costs. Switch per category.
- 3
Run pre-filing checks
In December, run the pre-filing health check. Spot duplicate categorisations, missing receipts and ratios that might flag an HMRC enquiry.
- 4
Export and file
CSV ready for HMRC online filing, or PDF ready for your accountant. Optional push to FreeAgent, Xero, QuickBooks UK.
Frequently asked questions
Is PocketSpend HMRC-recognised?▼
PocketSpend prepares your data for self-filing. We are not a recognised filing software (yet). Use HMRC online filing, or export to FreeAgent / Xero / QuickBooks which are HMRC-recognised.
What about Making Tax Digital?▼
MTD for Income Tax Self-Assessment (MTD ITSA) starts 6 April 2026 for sole traders / landlords with income > £50,000. We are MTD-ready and will export to MTD-compliant filing partners.
Can I claim home office costs?▼
Yes — either via HMRC Simplified flat rate (£10-£26/month based on hours from home) or actual costs apportioned by floor area + hours. We support both.
What expenses are NOT allowable?▼
Entertaining clients, fines, your own salary, ordinary commuting, personal clothing (unless protective/uniform). We surface common mis-tags.
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