# TapTax

> TapTax is a Making Tax Digital (MTD) compliance app for UK sole traders.
> It tracks income and expenses, categorises transactions with AI, scans
> receipts, and submits quarterly updates directly to HMRC in one tap.
> MTD for Income Tax is mandatory from April 2026 for self-employed income
> over £50,000. Tagline: "Tap. File. Done."

## Product

- [Home](https://taptax.co.uk/): What TapTax does and pricing
- [About](https://taptax.co.uk/about): Who builds TapTax
- [Blog](https://taptax.co.uk/blog): Guides on MTD, self-assessment, tax codes and HMRC deadlines for UK sole traders
- [Full content](https://taptax.co.uk/llms-full.txt): The complete text of every TapTax guide in one file

## Free tools

Every calculator and free document tool, grouped as on the site's own tools and calculator hubs.

- [MTD readiness checker](https://taptax.co.uk/mtd-check): Check if Making Tax Digital applies to you from April 2026

### Make a document

- [Invoice generator](https://taptax.co.uk/invoice-generator): Make a UK invoice PDF in six templates, with VAT, bank details and your logo.
- [Quote generator](https://taptax.co.uk/quote-generator): A professional quote or estimate as a PDF, with a valid-until date.
- [Receipt generator](https://taptax.co.uk/receipt-generator): A paid receipt for a customer, as a PDF, in seconds.
- [Credit note generator](https://taptax.co.uk/credit-note-generator): A credit note against an invoice, with the amount credited.
- [Pro forma invoice generator](https://taptax.co.uk/proforma-invoice-generator): A pro forma invoice to request payment before you deliver.
- [Invoice number generator](https://taptax.co.uk/invoice-number-generator): A numbering format for your invoices, and the next number in your sequence.

### Read a document

- [Invoice parser](https://taptax.co.uk/invoice-parser): Read an invoice PDF or photo into data: supplier, dates, VAT, totals and lines.
- [Receipt to CSV](https://taptax.co.uk/receipt-to-csv): Photos of receipts into one spreadsheet, a row for each, ready for Excel.
- [Bank statement converter](https://taptax.co.uk/bank-statement-converter): A PDF bank statement into CSV or Excel, every transaction checked against your balances.
- [Platform statement converter](https://taptax.co.uk/platform-statement-converter): An Uber or Deliveroo earnings statement into its lines, checked against the payout, with your turnover and expenses.

### Templates

- [Business document templates](https://taptax.co.uk/templates): Forty-four documents, from a VAT invoice to a letter before action, in Word, Excel and PDF.
- [Invoice templates by trade](https://taptax.co.uk/invoice-templates): An invoice laid out for your trade, with the lines and VAT it usually needs.
- [Receipt templates by trade](https://taptax.co.uk/receipt-templates): A receipt for trades paid on the spot, from barbers to market traders.

### Invoicing calculators

- [Invoice due date](https://taptax.co.uk/tax-calculator/invoice-due-date): When an invoice is due under its payment terms, and when interest can start.
- [Late payment interest](https://taptax.co.uk/tax-calculator/late-payment-interest): The statutory interest and fixed compensation you can add to a late business invoice.
- [VAT](https://taptax.co.uk/tax-calculator/vat): Add VAT to a price or take it out, at 20, 5 or 0 percent.
- [Reverse charge checker](https://taptax.co.uk/tax-calculator/reverse-charge-checker): Whether the VAT domestic reverse charge applies to a construction invoice.

### Income tax

- [Tax code checker](https://taptax.co.uk/check-my-tax-code): Whether your PAYE tax code is right, checked free in about a minute.
- [HMRC refund tracker](https://taptax.co.uk/hmrc-refund-tracker): How far behind HMRC is on every refund route, and when to expect your reply.
- [Sole trader tax](https://taptax.co.uk/tax-calculator/sole-trader): Income tax, Class 4 National Insurance and take-home pay when you are self-employed.
- [Salary after tax](https://taptax.co.uk/tax-calculator/salary): Take-home pay after income tax, National Insurance and student loan.
- [Salary sacrifice](https://taptax.co.uk/tax-calculator/salary-sacrifice): The tax and National Insurance a pension or electric car sacrifice saves.
- [Pro-rata salary](https://taptax.co.uk/tax-calculator/pro-rata-salary): What a full-time salary is worth on your actual days or hours.
- [Hourly to salary](https://taptax.co.uk/tax-calculator/hourly-to-salary): An hourly rate as an annual salary, then the tax and take-home.
- [Salary to hourly](https://taptax.co.uk/tax-calculator/salary-to-hourly): An annual salary as an hourly rate, before and after tax.
- [Net to gross](https://taptax.co.uk/tax-calculator/net-to-gross): The gross salary that produces the take-home pay you want.
- [Every salary after tax](https://taptax.co.uk/salary): A page for each common salary, with the take-home and the thresholds either side.
- [Multiple income](https://taptax.co.uk/tax-calculator/multiple-income): Employment, self-employment, rent and dividends taxed together, one allowance across all.
- [Mileage allowance](https://taptax.co.uk/tax-calculator/mileage): Your business mileage claim and the tax it saves.

### Property

- [Rental income](https://taptax.co.uk/tax-calculator/rental): Tax on rental profit, with the mortgage interest credit and property allowance.
- [Capital gains tax](https://taptax.co.uk/tax-calculator/capital-gains): Tax on selling property, shares or business assets, after the annual exemption.
- [Stamp duty](https://taptax.co.uk/tax-calculator/stamp-duty): Stamp duty for home movers, first-time buyers and additional properties.

### Business

- [Limited company or sole trader](https://taptax.co.uk/tax-calculator/ltd-vs-sole-trader): Total tax side by side as a limited company and as a sole trader.
- [VAT registration and flat rate](https://taptax.co.uk/tax-calculator/vat-registration): Whether you must register for VAT, and the standard and flat rate schemes compared.
- [Dividend tax](https://taptax.co.uk/tax-calculator/dividends): Tax on dividend income after the dividend allowance.
- [Corporation tax](https://taptax.co.uk/tax-calculator/corporation-tax): A limited company’s corporation tax, with marginal relief.
- [Dividend or salary](https://taptax.co.uk/tax-calculator/dividend-vs-salary): The director salary and dividend mix that leaves the most take-home.
- [IR35](https://taptax.co.uk/tax-calculator/ir35): Take-home inside and outside IR35 for a contractor.
- [Day rate](https://taptax.co.uk/tax-calculator/day-rate): A contractor day rate as a year, and the take-home as a sole trader, limited company or inside IR35.

### Invoicing and pricing

- [Profit margin](https://taptax.co.uk/tax-calculator/profit-margin): Your margin on a sale, or the price that earns the margin you want.
- [Markup](https://taptax.co.uk/tax-calculator/markup): The markup on your cost, or the price a markup gives, with the margin beside it.
- [Invoice and receipt tools](https://taptax.co.uk/tools): Every free tool that makes or reads an invoice, quote or receipt, in one place.

### Planning

- [MTD requirement checker](https://taptax.co.uk/tax-calculator/mtd-requirement-checker): Whether Making Tax Digital for Income Tax applies to you, and from when.
- [Pension planner](https://taptax.co.uk/tax-calculator/pension-planner): How much tax a bigger pension contribution saves.
- [Savings interest](https://taptax.co.uk/tax-calculator/savings): Tax on savings interest after the Personal Savings Allowance and starting rate.
- [CIS](https://taptax.co.uk/tax-calculator/cis): The CIS deduction on an invoice, and the refund a subcontractor may be due.
- [Quarterly payment planner](https://taptax.co.uk/tax-calculator/quarterly-planner): Your January tax bill and how much to put aside each month.
- [Student loan repayment](https://taptax.co.uk/tax-calculator/student-loan): Annual and monthly student loan repayments by plan.
- [Child Benefit charge](https://taptax.co.uk/tax-calculator/child-benefit): How much Child Benefit the High Income Child Benefit Charge takes back.
- [Late filing penalty](https://taptax.co.uk/tax-calculator/late-filing-penalty): Penalties and interest for a late return or late payment.

## Salary after tax pages

Server-rendered answers for specific salaries, every figure computed by the same
PAYE engine that files quarterly updates to HMRC.

- [Every salary, after tax](https://taptax.co.uk/salary): The full index, grouped by band, with the take-home under each gross
- [Pro-rata salary calculator](https://taptax.co.uk/tax-calculator/pro-rata-salary): What a full-time salary is worth on your actual days or hours
- [Hourly to salary calculator](https://taptax.co.uk/tax-calculator/hourly-to-salary): Turn an hourly rate into an annual salary and a take-home figure
- [Net to gross calculator](https://taptax.co.uk/tax-calculator/net-to-gross): Work backwards from the take-home pay you want to the gross salary that produces it
- [£35,000 after tax](https://taptax.co.uk/salary/35000-after-tax): £28,720 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£40,000 after tax](https://taptax.co.uk/salary/40000-after-tax): £32,320 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£30,000 after tax](https://taptax.co.uk/salary/30000-after-tax): £25,120 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£45,000 after tax](https://taptax.co.uk/salary/45000-after-tax): £35,920 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£50,000 after tax](https://taptax.co.uk/salary/50000-after-tax): £39,520 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£28,000 after tax](https://taptax.co.uk/salary/28000-after-tax): £23,680 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£32,000 after tax](https://taptax.co.uk/salary/32000-after-tax): £26,560 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£60,000 after tax](https://taptax.co.uk/salary/60000-after-tax): £45,357 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£25,000 after tax](https://taptax.co.uk/salary/25000-after-tax): £21,520 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£36,000 after tax](https://taptax.co.uk/salary/36000-after-tax): £29,440 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£55,000 after tax](https://taptax.co.uk/salary/55000-after-tax): £42,457 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side
- [£33,000 after tax](https://taptax.co.uk/salary/33000-after-tax): £27,280 a year take-home in England, Wales and Northern Ireland, with the monthly and weekly figures, the band breakdown and the thresholds either side

## Invoicing guides and templates

Guides to UK invoicing rules and the April 2029 e-invoicing mandate, every rule cited to GOV.UK or legislation.gov.uk, and free templates. The document tools above each have an embeddable version at {tool}/embed.

- [Making Tax Digital deadlines](https://taptax.co.uk/making-tax-digital/deadlines): 8 pages, one per quarterly update, tax return and start date from 2026 to 2028, with the period each covers, who it applies to and the penalty position, every rule cited to GOV.UK
- [Signing up for Making Tax Digital](https://taptax.co.uk/making-tax-digital/sign-up): 9 guides to signing up for Making Tax Digital for Income Tax, what to do if HMRC signed you up, signing up as a landlord or through an accountant, catching up a missed quarterly update and exemptions, every rule cited to GOV.UK
- [Invoicing guides](https://taptax.co.uk/invoicing): 28 guides to writing, sending, numbering, correcting and chasing invoices in the UK
- [E-invoicing in the UK](https://taptax.co.uk/e-invoicing): 12 pages on the April 2029 mandate for VAT invoices, Peppol as the announced network, who is in scope and how to prepare
- [Invoice templates by trade](https://taptax.co.uk/invoice-templates): 235 free trade invoice templates in Word, Excel and PDF
- [Receipt templates by trade](https://taptax.co.uk/receipt-templates): 26 free receipt templates for trades paid at the till or appointment
- [Business document templates](https://taptax.co.uk/templates): 44 UK templates for invoices, quotes, receipts, orders, statements and letters, plus 12 format versions
- [What expenses can I claim?](https://taptax.co.uk/expenses): 88 expense items and 23 HMRC categories, each with HMRC's answer and the box it goes in

## Stamp duty pages

Every figure below is computed by a versioned, effective-dated Stamp Duty Land
Tax engine and checked against the official rates on the date in the trust line,
so these answers do not drift when a Budget changes the bands.
SDLT rates in force from 1 April 2025, checked 12 September 2026.

- [Stamp duty rates and thresholds](https://taptax.co.uk/stamp-duty): The bands, the first-time buyer relief, the additional-property and non-UK resident charges, and every price page in one directory
- [Stamp duty calculator](https://taptax.co.uk/tax-calculator/stamp-duty): Any purchase price, with the band breakdown for home movers, first-time buyers, additional properties and non-UK residents
- [Stamp duty for first-time buyers](https://taptax.co.uk/stamp-duty/first-time-buyers): The relief, the cliff edge where it stops completely, and who qualifies
- [Second home and buy-to-let stamp duty](https://taptax.co.uk/stamp-duty/second-home): The higher rates, the floor below which they do not apply, and the replacement-of-main-residence exception
- [Reclaiming the stamp duty surcharge](https://taptax.co.uk/stamp-duty/refund): What comes back once the previous main residence sells, and the deadline for the claim
- [Commercial property stamp duty calculator](https://taptax.co.uk/stamp-duty/commercial-property): nothing up to £150,000, 2% to £250,000 and 5% above £250,000 on commercial and mixed-use property; a £400,000 commercial freehold pays £9,500, with leases and rent
- [Stamp duty for a limited company](https://taptax.co.uk/stamp-duty/limited-company): 17% of the whole price above £500,000 without a relief (£102,000 on £600,000) and the higher rates with one (£50,000)
- [Stamp duty on shared ownership](https://taptax.co.uk/stamp-duty/shared-ownership): pay once on the market value or in stages on your share; a first-time buyer pays £5,000 with the election or £0 in stages on a £160,000 share of a £400,000 home
- [Stamp duty on £400,000](https://taptax.co.uk/stamp-duty/400000): £10,000 for a home mover, £5,000 for a first-time buyer and £30,000 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £300,000](https://taptax.co.uk/stamp-duty/300000): £5,000 for a home mover, £0 for a first-time buyer and £20,000 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £450,000](https://taptax.co.uk/stamp-duty/450000): £12,500 for a home mover, £7,500 for a first-time buyer and £35,000 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £270,000](https://taptax.co.uk/stamp-duty/270000): £3,500 for a home mover, £0 for a first-time buyer and £17,000 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £250,000](https://taptax.co.uk/stamp-duty/250000): £2,500 for a home mover, £0 for a first-time buyer and £15,000 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £600,000](https://taptax.co.uk/stamp-duty/600000): £20,000 for a home mover, £20,000 for a first-time buyer and £50,000 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £425,000](https://taptax.co.uk/stamp-duty/425000): £11,250 for a home mover, £6,250 for a first-time buyer and £32,500 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £465,000](https://taptax.co.uk/stamp-duty/465000): £13,250 for a home mover, £8,250 for a first-time buyer and £36,500 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £350,000](https://taptax.co.uk/stamp-duty/350000): £7,500 for a home mover, £2,500 for a first-time buyer and £25,000 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £500,000](https://taptax.co.uk/stamp-duty/500000): £15,000 for a home mover, £10,000 for a first-time buyer and £40,000 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £420,000](https://taptax.co.uk/stamp-duty/420000): £11,000 for a home mover, £6,000 for a first-time buyer and £32,000 on an additional property, with the band breakdown and the nearest thresholds
- [Stamp duty on £650,000](https://taptax.co.uk/stamp-duty/650000): £22,500 for a home mover, £22,500 for a first-time buyer and £55,000 on an additional property, with the band breakdown and the nearest thresholds

### Stamp duty rates by year

What the rates were in each past calendar year, computed from the same effective-dated rule sets.

- [Stamp duty rates in 2015](https://taptax.co.uk/stamp-duty/rates/2015): Nothing to pay up to £125,000 all year; a £400,000 home cost a home mover £10,000 on 1 January 2015, with every rate table in force that year
- [Stamp duty rates in 2016](https://taptax.co.uk/stamp-duty/rates/2016): Changed once; a £400,000 home cost a home mover £10,000 on 1 January 2016, with every rate table in force that year
- [Stamp duty rates in 2017](https://taptax.co.uk/stamp-duty/rates/2017): Changed once; a £400,000 home cost a home mover £10,000 on 1 January 2017, with every rate table in force that year
- [Stamp duty rates in 2018](https://taptax.co.uk/stamp-duty/rates/2018): Nothing to pay up to £125,000 all year; a £400,000 home cost a home mover £10,000 on 1 January 2018, with every rate table in force that year
- [Stamp duty rates in 2019](https://taptax.co.uk/stamp-duty/rates/2019): Nothing to pay up to £125,000 all year; a £400,000 home cost a home mover £10,000 on 1 January 2019, with every rate table in force that year
- [Stamp duty rates in 2020](https://taptax.co.uk/stamp-duty/rates/2020): Changed once; a £400,000 home cost a home mover £10,000 on 1 January 2020, with every rate table in force that year
- [Stamp duty rates in 2021](https://taptax.co.uk/stamp-duty/rates/2021): Changed 3 times; a £400,000 home cost a home mover £0 on 1 January 2021, with every rate table in force that year
- [Stamp duty rates in 2022](https://taptax.co.uk/stamp-duty/rates/2022): Changed once; a £400,000 home cost a home mover £10,000 on 1 January 2022, with every rate table in force that year
- [Stamp duty rates in 2023](https://taptax.co.uk/stamp-duty/rates/2023): Nothing to pay up to £250,000 all year; a £400,000 home cost a home mover £7,500 on 1 January 2023, with every rate table in force that year
- [Stamp duty rates in 2024](https://taptax.co.uk/stamp-duty/rates/2024): Changed once; a £400,000 home cost a home mover £7,500 on 1 January 2024, with every rate table in force that year
- [Stamp duty rates in 2025](https://taptax.co.uk/stamp-duty/rates/2025): Changed once; a £400,000 home cost a home mover £7,500 on 1 January 2025, with every rate table in force that year

## Content hubs

- [MTD software directory](https://taptax.co.uk/mtd-software-directory): All 159 products on HMRC's Making Tax Digital for Income Tax directory, graded and filterable by free tier, mobile app, income sources and tax-return items
- [Making Tax Digital by city](https://taptax.co.uk/making-tax-digital): MTD guidance for 120+ UK cities
- [Tax glossary](https://taptax.co.uk/glossary): 154 plain-English definitions of UK tax and invoicing terms
- [Self-employed tax by profession](https://taptax.co.uk/self-employed-tax): MTD and tax guides per profession
- [Allowances](https://taptax.co.uk/allowances): UK tax allowances and reliefs explained
- [Software comparisons](https://taptax.co.uk/compare): 54 comparisons of TapTax with MTD, accounting, invoicing and receipt-scanning software
- [Tax codes](https://taptax.co.uk/tax-codes): What every HMRC tax code means

## Original research

First-party datasets compiled by TapTax. Free to cite with attribution.

- [We analysed all 159 MTD tools on HMRC's directory](https://taptax.co.uk/blog/we-analysed-all-122-hmrc-mtd-tools): Every product on HMRC's MTD for Income Tax directory graded against the 16 tax-return items. 104 of 159 (65%) cannot complete a single one; 15 have all 16; free-tier and pricing analysis with a roughly 30x price spread. Scraped 17 October 2026, re-scraped weekly.
- [The dataset itself](https://taptax.co.uk/mtd-software-directory): The full 159-product table behind that analysis, with an embeddable version at https://taptax.co.uk/mtd-software-directory/embed

## Recent guides

- [HMRC Tax Code Checker Free: What You Get vs What You Need](https://taptax.co.uk/blog/hmrc-tax-code-checker-free-what-you-get-vs-what-you-need): HMRC's free tax code checker tools exist, but they don't tell you the full story. Here's what they miss and how to protect your pay.
- [E-Invoicing Without the Jargon: A Tradesperson's Reality Check](https://taptax.co.uk/blog/e-invoicing-without-the-jargon-a-tradespersons-reality-check): E-invoicing explained for UK sole traders who bill clients, not finance departments. What it means, what it costs, and what you actually need to do.
- [What Is My Tax Code and Why Does It Matter?](https://taptax.co.uk/blog/what-is-my-tax-code-and-why-does-it-matter): Your tax code controls how much income tax you pay every month. Here's what it means, why it's probably wrong, and how to fix it fast.
- [E-Invoicing Software: The Late Payment Problem It Actually Solves](https://taptax.co.uk/blog/e-invoicing-software-the-late-payment-problem-it-actually-solves): Late payments cost UK sole traders £684 on average per invoice. Here's how the right e-invoicing software fixes the problem most people ignore.
- [HMRC Tax Code Errors: The Silent Pay Cut on Your Payslip](https://taptax.co.uk/blog/hmrc-tax-code-errors-the-silent-pay-cut-on-your-payslip): Your HMRC tax code could be silently draining your pay every month. Here's how wrong codes happen, who bears the cost, and how to reclaim what's yours.
- [E Invoicing Software: What Nobody Sells You on the Tin](https://taptax.co.uk/blog/e-invoicing-software-what-nobody-sells-you-on-the-tin): E invoicing software promises to save sole traders hours every week. Here is what the marketing omits and what actually matters for MTD compliance.
- [Am I On the Right Tax Code? The Probability Test](https://taptax.co.uk/blog/am-i-on-the-right-tax-code-the-probability-test): Statistically, millions of UK employees are on the wrong tax code right now. Here is how to tell whether you are one of them, and what it costs you.
- [Self Employed Bookkeeping Software: The Switching Cost Nobody Warns You About](https://taptax.co.uk/blog/self-employed-bookkeeping-software-the-switching-cost-nobody-warns-you-about): Switching self employed bookkeeping software? The real cost isn't the monthly fee. What sole traders lose when they change platforms mid-year.
- [How to Check Your Tax Code in Under Five Minutes](https://taptax.co.uk/blog/how-to-check-your-tax-code-in-under-five-minutes): Most UK employees never check their tax code. Here is exactly how to do it, where to find it, and what a wrong code is costing you right now.
- [Invoicing Software That Also Handles MTD: A Honest Test](https://taptax.co.uk/blog/invoicing-software-that-also-handles-mtd-a-honest-test): Most invoicing software for sole traders stops short of MTD compliance. Here's what to check before April 2026 leaves you scrambling for a second app.
- [What Tax Code Should I Be On? The Life Events Test](https://taptax.co.uk/blog/what-tax-code-should-i-be-on-the-life-events-test): Changed jobs, had a child, or picked up a second income? Your tax code probably hasn't kept up. Here's how to check what you should actually be on.
- [Invoice Financing When You're Self-Employed: Does It Work?](https://taptax.co.uk/blog/invoice-financing-when-youre-self-employed-does-it-work): Invoice financing sounds like a lifeline for sole traders chasing late payments. Does it work for the self-employed, and what don't lenders say upfront?

## Policies

- [Privacy](https://taptax.co.uk/privacy)
- [Terms](https://taptax.co.uk/terms)