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Yours to keep

Know what’s actually yours.

Money in the bank isn’t all yours. Some is owed to suppliers, some to HMRC. BillingEase takes those out first, so the number in the jar is what you can really spend.

Reports and your tax estimate are on every plan.

Try it with your own month

£££££££Yoursto keep£1,632£TAX15%set aside
£2,840
£920
15%
Profit£1,920Tax estimate£288Yours to keep£1,632

Harper Studio, October (sample business). Drag the sliders to try your own month. In the app the estimate uses the year’s real rates, not a flat share.

The tax estimate

January stops being a surprise.

Every time you add income or a cost, BillingEase re-estimates your Income Tax and Class 4 NI for the tax year and takes it out of Yours to keep. When a payment is due, you already know the number.

  1. Profit, as you go

    Income minus allowable costs, in HMRC’s categories, for the tax year from 6 April.

    So far: £19,220
  2. Tax estimated on it

    Income Tax and Class 4 NI at this year’s rates, landlord finance costs included. It leaves your number, so it never feels like yours.

    Estimated: £2,960
  3. Ready when it’s due

    Payments on account on 31 January and 31 July sit on Home with the amount next to them.

    Next: 31 Jan 2027
Income Tax payments on Home (illustrative)
31 Jan 2026£1,180Paid 28 Jan
31 Jul 2026£1,180Paid 30 Jul
31 Jan 2027£1,780Balancing payment and first payment on account
31 Jul 2027£1,180Second payment on account
Who pays on account and how much depends on last year’s bill. Your accountant can set it for you.

Rates shown are illustrative and are checked against gov.uk before launch.

Reports

Reports that answer the question you actually asked.

Every standard report is here, named after the question it answers. The formal name is underneath for your accountant and your bank.

Profit and loss · 6 April to 5 October 2026 · sampleHow much did I make?
Profit this tax year so far£19,220Before £2,960 estimated Income Tax and NI
  • Sales£28,400
  • Car, van and travel−£1,140
  • Premises (studio rent)−£2,700
  • Phone, stationery and office costs−£1,980
  • Advertising−£520
  • Other allowable costs−£2,840
  • Profit£19,220
Ready when they ask

Quarters ready to file. Books that match the bank.

The two jobs most likely to eat a weekend, done as you go and checked before anyone has to look.

Your MTD quarter

Q2 · 6 July to 5 October 2026 · totals by HMRC category
Ready
Turnover£7,420Car, van and travel£312Premises£1,350Phone, stationery and office costs£604Other allowable costs£318✓ Every expense categorised✓ No gaps longer than a month✓ Mileage added
BillingEase doesn’t file to HMRC. Your accountant files the update from their practice software.

Check against your bank statement

Done by hand from your statement · September
Statement says£9,860
BillingEase says£9,986
Left to explain£126
Bank charge not in your booksMonthly account fee, 30 Sep£6
Cheque from Ochre Café hasn’t clearedPaid in 29 Sep£120
Your accountant and the quarter

Hand over the books, not a shoebox.

Proper double-entry books are kept underneath the three numbers. Your accountant sees the same books, files the update from their own software, and the quarter is locked once it’s filed.

Your accountant, same books

Through the TaxWise practice workbench
Priya Shah, Dale & ShawAccountant for Harper Studio (sample)Sees every quarter, report and entrySends requests that appear on your HomeFiles your MTD update from their practice softwareCan’t send your invoices or change your password
Try inviting your own

Lock the quarter

Q2 · 6 July to 5 October 2026
Tick everything to lock it.

In practice · illustrative example, not a real customer

“Last January the money for the tax bill was just there. My accountant said it was the first time a client sent a quarter with nothing to fix.”
Ellie HarperHarper Studio, Leeds (sample business)

Profit and tax, answered

Something else? Ask the help centre.

Coming in minus Going out is your profit. BillingEase estimates Income Tax and Class 4 NI on it for the tax year, at the year’s rates, and takes that off. What’s left is Yours to keep. It’s an estimate; your accountant works out the final bill.

Yours to keep

Find out what’s really yours.

Add this month’s invoices and costs. The jar fills in with what’s left after tax.