A practical desk · UK freelancers
Ready-made templates, free calculators, and plain-English guides for sole traders who would rather not chase invoices — or HMRC.
Sole traders earning over £50,000 will need MTD-compatible software within weeks. The change is mandatory, the penalty regime is new, and most of the guidance is still in HMRC-speak.
Take the free readiness checkTwo packs cover the two situations every UK freelancer eventually meets: a client that won’t pay, and a deadline you nearly missed. Both are written, not generated.
37 email templates, 10 contract clauses, a client onboarding pack, and a full late-payment escalation system — from polite reminder to letter before action. One download, no subscription.
Missed the 31 January deadline? HMRC appeal letter templates, a week-by-week recovery plan, and a penalty calculator that shows exactly what you owe and how much you can argue down.
Numbers you can rely on. Statutory interest under the 1998 Act, HMRC penalty tables, IR35 status, day-rate maths — checked against the underlying legislation, free to use.
Statutory interest plus compensation under the Late Payment of Commercial Debts Act.
02Build a properly numbered, VAT-aware invoice in under a minute. Print or save as PDF.
03What HMRC will charge you for filing or paying late — before they tell you.
Long-form guides for the situations that turn into real money: a client who’s gone quiet, a missed Self-Assessment, an MTD deadline that arrived faster than expected.