Free tools for UK freelancers & small businesses
No sign-up. No data leaves your browser. Generate invoices, work out your tax, track expenses and price your work confidently.
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Invoice Generator
Create professional invoices with line items, VAT and a downloadable PDF preview.
🧾VAT Invoice Template
HMRC-style VAT invoice with multiple VAT rates, VAT breakdown and reverse-charge support.
📊Self-Employed Tax Calculator
UK 2025/26 income tax, Class 4 NI and personal allowance taper. Estimate your take-home.
💼Expense Tracker
Log business expenses by category, see monthly totals and export a CSV for your accountant.
📐Day Rate Calculator
Work out a defensible freelance day rate from a target salary — accounting for holiday, overheads, pension and utilisation.
📈Profit Margin Calculator
Work out gross margin, markup and break-even units for any product or service.
🏢Limited Company Take-Home
Salary + dividends + corporation tax. Compare against the sole-trader option from the tax calculator.
📑Freelance Contract Template
Fillable UK freelance services contract. Plain-English, governed by English law, download as PDF.
⏰Late Payment Interest Calculator
Statutory interest (BoE base rate + 8%) and fixed compensation (£40/£70/£100) on overdue UK B2B invoices. Pre-fills the demand-letter wording.
✉️Overdue Invoice Reminder Templates
Five-stage email ladder — gentle nudge through to Letter Before Action. Copy-paste, fillable, calm tone.
🧾VAT Flat Rate Scheme Calculator
Compare FRS vs standard scheme for your trade. Includes the 1% first-year discount and the Limited Cost Business test that catches most service freelancers.
📊UK VAT Return Calculator
All 9 boxes of a standard-scheme VAT return — sales at every rate, input VAT, reverse-charge handling.
🏦Best Business Bank Account UK
Side-by-side comparison of Tide, Starling, Mettle, Monzo Business, Anna Money. Decision tree for sole traders vs Ltds.
🌐International Payments for UK Freelancers
The full playbook for invoicing and getting paid by overseas clients — payment methods, FX mechanics, multi-currency accounts, HMRC record-keeping.
🏡Freelancer Mortgage Calculator
Estimate how much UK lenders might offer you as a sole trader, Ltd director or contractor. Borrowing range, LTV and monthly repayment estimates by business structure.
🛟Emergency Fund Calculator
How much should a UK freelancer save? 3-, 6- and 12-month buffer targets from monthly expenses, with time-to-goal at your savings rate.
📈Cashflow Forecast Calculator
Project your bank balance and runway month-by-month for 12+ months. Built for UK freelancers — variable income, lumpy invoicing, tax-pot timing factored in.
🔁Sole Trader vs Ltd Company Calculator
Side-by-side UK take-home comparison. Income tax + Class 4 NI vs corporation tax + salary + dividends. See which structure leaves you more.
📸Best Receipt Scanning App UK
Dext, QuickBooks, Xero Hubdoc and manual spreadsheets compared. OCR accuracy, integrations, pricing — neutral editorial.
⚖️QuickBooks vs Xero — UK Comparison
The two most-used UK accounting platforms head-to-head: pricing, MTD support, sole trader vs Ltd fit, accountant compatibility.
💷Best Free Accounting Software UK
Wave, FreeAgent (via Mettle), QuickFile, GnuCash and spreadsheet options compared.
🛡️Best Freelance Insurance UK 2026
PI, PL, cyber, equipment, employer's liability — the complete UK freelancer insurance guide with industry examples and a decision framework.
🧮Freelancer Insurance Cost Calculator
Illustrative annual cost estimate for PI, PL, cyber and equipment cover — by industry and revenue. UK-specific pricing model.
📋Contractor Accountant Guide UK 2026
What a contractor accountant does, what's bundled in the monthly fee, why IR35 specialism matters, and how to choose one for your Ltd.
🗓️Contractor Tax Deadlines Calendar
UK Ltd contractor deadlines personalised to your company year-end and VAT cycle. CT, VAT, confirmation statement, PAYE and Self Assessment.
Topical hubs
Each hub indexes a full cluster — tools, guides, calculators, reviews — for a single UK freelance topic.
UK Freelancer Tax Hub
Sole trader Self Assessment, Ltd structuring, IR35, expenses, deadlines.
🏛️UK Freelancer VAT Hub
Registration threshold, MTD, reverse charge, FRS, international services.
🏛️UK Freelancer Accounting Hub
Software comparisons, contractor accountants, bookkeeping, Ltd checklist.
🏛️UK Freelancer Banking Hub
Tide, Starling, Mettle compared — free options, switching, integrations.
🏛️UK Freelancer Insurance Hub
PI, PL, cyber, equipment cover. Decision framework, cost calculator.
🏛️UK Freelancer Mortgage Hub
Years of accounts, structure impact, specialist brokers, calculator.
🏛️International Payments Hub
Wise vs Instarem, PayPal vs bank transfer, FX, reverse charge.
🏛️UK Company Formation Hub
When to incorporate, formation mechanics, post-formation setup.
More tools & resources
The Freelance Productivity Stack UK
The seven tools that handle your operating layer — tasks, workflows, hosting, outsourcing, accounting. Hive, Process Street, FreeAgent, UKHost4U, Fiverr and more.
📇Best CRM for Freelancers UK
Hive, HubSpot Free, Pipedrive and Notion compared for UK freelance CRM workflows. Pricing, features, who each fits.
✉️Cold Outreach for UK Freelancers
The repeatable outreach playbook — Instantly + RocketReach setup, GDPR-safe templates, follow-up cadence, realistic conversion rates.
🟢How to Find Clients on Fiverr UK
UK setup, gig optimisation, pricing, tax treatment, Fiverr Pro, and how Fiverr fits alongside your main client pipeline.
⭐Recommended Tools — UK Freelancer Picks
The accounting software, banking apps, AI tools and insurance providers we recommend to UK freelancers, with honest pros and cons.
Guides
Best Accounting Software for UK Freelancers 2026
FreeAgent vs Xero vs QuickBooks vs Wave. Honest comparison, clear decision tree, real annual costs. 12-minute read.
📖How to Start Freelancing in the UK — 2026 Guide
The full playbook for going freelance: sole trader vs limited company, registering with HMRC, pricing, getting paid, expenses, tax, pension, VAT. 15-minute read.
📬How to Chase Unpaid Invoices in the UK — 2026 Guide
The calm escalation ladder, statutory interest rules, when to issue a Letter Before Action, how Money Claim Online works. 12-minute read.
💬Freelancer Payment Chaser Email Guide
Subject lines, openings, tone, structure — the email mechanics of chasing a late invoice without poisoning the relationship.
📋UK VAT Registration Threshold 2026
The £90,000 rolling 12-month rule, when voluntary registration helps, deregistration, and how to manage the line if you're brushing it.
💾Making Tax Digital for VAT Explained
Who's affected, digital record-keeping rules, MTD-compatible software, and the points-based penalty regime.
🔄VAT Reverse Charge Explained
How reverse charge works for international B2B services + CIS construction. With invoicing wording and VAT-return treatment.
🌍VAT on International Services
Place-of-supply rules for UK freelancers invoicing overseas clients. Worked examples for US, EU and Singapore clients.
⚔️Tide vs Starling Business — Head-to-Head
Pricing, features, FSCS, app quality. The two most-used UK challenger business accounts compared in detail.
🔷Mettle Review — Free Business Banking + FreeAgent
NatWest-backed, FreeAgent included free, FSCS-protected. The underrated option that saves UK sole traders £228/year.
💷Free Business Bank Account UK
Which UK business accounts are actually free, which look free until you scale, and which have hidden fees.
🔁How to Switch Business Bank Account
CASS mechanics, timing, what to watch for. Specific guidance for VAT-registered freelancers mid-quarter.
💳Best Way to Get Paid by Overseas Clients
Decision matrix by client country — SWIFT, SEPA, ACH, PayPal, Wise. Which payment rail wins at each invoice value.
💴Foreign Currency Invoice Guide
When to bill in client currency vs GBP, HMRC FX conversion rules, VAT reverse-charge interaction.
⚖️Wise vs Instarem Business
Head-to-head comparison of the two leading multi-currency / international payment options for UK freelancers.
🔀PayPal vs Bank Transfer for Freelancers
When PayPal's convenience is worth its cost, when bank transfer wins, where Wise and Stripe fit.
🏡Freelancer Mortgage Guide UK 2026
How to get a mortgage as a UK sole trader, Ltd director or contractor — how lenders assess your income, which specialists to know, common mistakes, decision tree.
📊How Many Years of Accounts Do You Need?
What 1, 2 and 3 years of self-employed accounts unlock with UK lenders. Contractor exceptions, alternative evidence, flexible-lender list.
⚖️Sole Trader vs Ltd Company Mortgage
How lenders assess income differently by business structure. Worked borrowing examples — same income, three setups, very different mortgage outcomes.
🏦Best Mortgage Brokers for Freelancers
Habito, Tembo, Mojo Mortgages and L&C compared — fees, lender panels, contractor expertise, online vs phone. Neutral editorial.
🧾What Expenses Can UK Freelancers Claim?
The full 2025/26 allowable-expenses guide — HMRC's wholly-and-exclusively test, home-office and mileage rules, common pitfalls.
📒Freelance Bookkeeping Guide UK 2026
The practical UK playbook — categorisation, MTD-compatible records, monthly close routine, software vs spreadsheet decision.
💷Cashflow Management for Freelancers
Smoothing variable income, setting tax pots, building buffers, forecasting runway, defending against late payments.
🤔Should I Start a Limited Company?
The UK 2026 decision guide — tax breakeven, admin overhead, IR35, mortgage impact, liability. When Ltd makes sense.
⚖️Sole Trader vs Limited Company — Definitive Guide
Tax, admin, liability, mortgage, pension, IR35 — the full UK comparison for freelancers choosing or switching structure.
📜Professional Indemnity Insurance for Freelancers
What PI covers, real claim examples, exclusions, how to choose a cover level, and how to read a UK PI policy.
🛟Public Liability Insurance for Freelancers
When client contracts mandate PL, how it differs from PI, what cover level matches your activities, and what it costs.
⚖️Hiscox vs Simply Business
Direct specialist insurer vs comparison broker — a neutral structural comparison of the two main UK freelance insurance routes.
🤔Do Freelancers Need Insurance?
What's legally required, what's contractually demanded, what's practically prudent — an honest UK decision guide.
⚖️Best Accountant for Contractors UK
Crunch, Gorilla Accounting, inniAccounts, Nixon Williams — neutral structural comparison. Strengths, suitability, trade-offs.
💷How Much Does a Contractor Accountant Cost?
UK 2026 pricing — typical monthly fees, what's included, hidden extras, value-for-money framework.
🤝Contractor Accountant vs DIY Accounting
When to hire a specialist vs DIY with software. Tax savings, time cost, risk — the honest decision framework.
✅Limited Company Accounting Checklist
Weekly, monthly, quarterly, annual tasks for UK Ltd contractors. Bookkeeping, payroll, VAT, year-end, CT600.
🟢FreeAgent for Contractors UK
FreeAgent for UK Ltd contractors — features, Mettle/NatWest free path, IR35 considerations, MTD readiness.
🟣Crunch Review for Contractors
Crunch for UK contractors — product structure, plan tiers, advisor model, who it suits, who it doesn't.
Why FreelanceToolkit?
Running a freelance business or microbusiness in the UK shouldn't mean wrestling with spreadsheets or paying for a subscription just to send a single invoice. FreelanceToolkit is a focused set of small, dependable utilities that do one thing each, very well.
Privacy first. Every calculation runs entirely in your browser. We don't store your invoices, expenses, or tax inputs on any server. Saved data lives in your browser's local storage, on your device only.
Built for UK rules. The tax calculator uses 2025/26 income tax bands, Class 4 National Insurance and the personal allowance taper above £100,000. The VAT invoice generator follows HMRC's required information for a full VAT invoice.
Free, with ads. The site is supported by display advertising. We never charge for any tool and never paywall a feature.