Record money when it is received or paid
Track income, expenses, categories, customers, suppliers and evidence. Unpaid invoices stay outside cash-basis figures until payment arrives.
UK Sole Trader Ledger
Keep the records. Know what to set aside. See every MTD quarter.
Record cash-basis income and expenses, prepare cumulative quarterly figures, estimate the tax position and produce a printable SA103F-shaped summary, with separate records for each trade.
£12 one-time Works offline Multiple trades CSV import
The actual ledger dashboard, shown with example sole-trader records.
Records through to year end
One ledger for the figures a sole trader needs to keep moving
Each entry feeds the dashboard, MTD quarter view, tax estimate and annual summary.
Prepare cumulative figures by deadline
See quarter dates, year-to-date totals and the underlying entries, then copy the figures and keep a dated submission snapshot.
Plan the amount to set aside
Estimate Income Tax and Class 4 National Insurance, choose Scotland or the rest of the UK and compare the result with money already reserved.
Produce a printable SA103F-shaped summary
Review income, expense categories, adjustments and calculated profit in a return-shaped worksheet for copying into the official service.
Separate each business without losing the whole picture
Keep each trade's records and quarters apart while the person-level tax estimate combines the relevant totals.
Bring in a CSV and reuse regular entries
Map bank-export columns, save recurring transactions, export your records and move compatible figures into other Methodwise tax tools.
Quarter by quarter
See what belongs in the update before anything is sent
The MTD workspace turns the ledger into cumulative year-to-date totals and keeps the deadline, status and source entries beside them.
- Cumulative income and expense figures for the selected trade
- Standard quarterly deadlines shown in context
- Copy-ready totals and a mark-submitted action
- Dated snapshots so later record changes remain traceable
Clear MTD boundary
It prepares the figures. It does not send them to HMRC.
The ledger is a record-keeping and preparation tool. It shows cumulative quarter totals and deadlines, but it is not recognised filing software and does not connect to an HMRC account. Check the current rules and use compatible software where filing applies.
Quarterly updates Read the current GOV.UK MTD guidanceBusiness records Check the GOV.UK records guideProfessional help Ask an accountant where needed
How it works
Download it once and build the record as you trade
No installation, account or subscription is required.
Set up each trade
Choose the tax year, accounting basis, region and trade details, then set any opening tax reserve.
Add or import entries
Record transactions as money moves, or map a bank CSV and review it before importing.
Review and export
Check the quarter, tax estimate and annual summary, then print or export the records you need.
A connected tax workspace
Use the focused tool for each part of the job
Private by design
Your business records stay on your device
The ledger runs locally in your browser. It has no account, cloud database, analytics, bank feed or OCR, and it does not upload transaction details.
It does not create invoices, submit VAT returns, run payroll or file with HMRC. JSON and CSV transfers are manual files that you control. Keep regular backups somewhere separate from the downloaded app.
Frequently asked
Before you buy
Who is the ledger designed for?
It is designed for UK sole traders who want an offline cash-basis income and expense ledger, including people who run more than one trade.
Does it submit MTD updates or a tax return?
No. It prepares figures, deadlines and worksheets for you to review and copy. It does not connect to HMRC or replace compatible filing software.
How are unpaid invoices treated?
On the cash basis, invoice income is excluded until you mark the payment as received. The invoice can still be recorded and followed while it remains unpaid.
Can I keep more than one trade?
Yes. Each trade has its own transactions, MTD quarters and annual summary, while person-level tax estimates can use the combined relevant figures.
Can it import a bank statement?
It imports CSV files through a column-mapping and review flow. It does not connect directly to a bank, and your bank's CSV layout may need to be mapped before import.
Does it prepare VAT returns or payroll?
No. It can watch the turnover you record against a VAT threshold, but it is not VAT-return, payroll or accounting software.
Which computers and browsers does it work on?
It works on Windows, Mac and Linux computers in a modern version of Chrome, Edge, Safari or Firefox.
What is included in the download?
The single-file UK Sole Trader Ledger app, a quick-start guide, and licence and support details. Etsy delivers the download after purchase.
Keep the ledger, quarters and year-end figures together
Buy UK Sole Trader Ledger on Etsy, download it once and keep using it without an account or subscription.
Buy on Etsy