Freelance Suite

Choose your tool

v9

💡
Lamp
Income & payment
projection by month
Money Projection
🐿
Squirrel
Tax reserve calculator
for UK sole traders
Tax Reserve
🐦
Pigeon
Invoice tracking
& payment chasing
Invoices
💡 Lamp — Money Projection
2026
Active Year
2026
Each year is stored independently
Total Generated
£0
Work generated this year
Expected Payments
£0
Income expected this year
Monthly Average (÷12)
£0
Based on expected payments
Add Job 0 jobs this year
Jobs
Client Task Value Generated Payment Expected Actions
🦅
No jobs added yet. Add your first job above.
Generated & Expected
Generated Expected
Running Total & Tax Threshold
Running Total Tax Threshold
Monthly Breakdown
Month Generated Expected Running Total
Total £0 £0 £0
🐿 Squirrel — Tax Reserve
Invoices this tax year
No invoices yet. Add your first invoice above.
Allowable Business Expenses Add each expense individually — deducted from profit before tax & NI.
No expenses yet. Add allowable business expenses above.
New Style JSA Payments Subject to Income Tax, NI & Student Loan — add each fortnightly payment separately.
No JSA payments added yet.
New Style JSA (contribution-based) is treated as taxable earnings. Each payment is subject to Income Tax, National Insurance, and Student Loan repayments once thresholds are met. Reserving slightly more than will ultimately be owed is intentional — better to over-save than be caught short at Self Assessment.
Disclaimer: This tool provides estimates for budgeting purposes only and does not constitute financial or tax advice. Calculations assume sole trader self-assessment income with the personal allowance fully available. Your actual tax liability may differ based on expenses, reliefs, and other income. Consult a qualified accountant for advice specific to your situation.

⚠ Future tax years: Years beyond 2025/26 are pre-populated with the most recently confirmed thresholds as a planning guide only. Tax bands, rates, NI limits and Student Loan thresholds are set by Parliament each year at the Autumn Budget. You must update the figures via ⚙ Tax Year Settings once each Budget is announced to ensure accurate calculations. The app will flag unconfirmed years with a ⚠ symbol in the year selector.
🐦 Pigeon — Invoice Tracker
Invoice No. PO Number Client Task Date Sent Due (30 days) Sent Paid