Best Self-Employed Tax Tools UK (2026)

Updated July 2026 · Independent comparison, not sponsored

Self-employed tax tools split into two groups: calculators/trackers that help you understand and plan, and software that actually files your Self Assessment return. Here's where each option fits.

	PayToolkit	GoSimpleTax	FreeAgent	HMRC Free Portal
Free	✓	Paid (from ~£54/yr)	Free with certain banks	✓
No signup required to try	✓	✗	✗	✗
Files Self Assessment return	✗	✓	✓	✓
Tax set-aside guidance	✓	Limited	✓	✗
Expense tracking	✓	✓	✓	✗
Live tax dashboard	✓	Limited	✓	✗
2026/27 rates	✓	✓	✓	✓

If you need to actually submit your Self Assessment return, you'll need software like GoSimpleTax or FreeAgent, or HMRC's own free portal — PayToolkit doesn't file returns. Where PayToolkit fits is everything before filing: understanding what you owe, tracking expenses through the year, and knowing what to set aside, all without a subscription.

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FAQ

Can I file my tax return with PayToolkit?

No. PayToolkit helps you calculate, track, and plan for your tax bill, but you'll still need to file your Self Assessment through HMRC's portal or filing software like GoSimpleTax or FreeAgent.

Is HMRC's own portal enough on its own?

For straightforward affairs, yes — HMRC's free portal handles most Self Assessment returns well. Tools like PayToolkit are useful alongside it for planning throughout the year rather than only at filing time.

Methodology: Comparisons are based on each provider's own published pricing and feature pages as of July 2026. We link out to alternatives fairly and do not accept payment for placement in this comparison. If something here looks out of date, let us know.