First-year self-employed doctor · 2026/27

Turn first-year tax panic into a plan

A personalised set-aside number, a dated money timeline and a setup checklist — built for UK GPs in their first 12 months of self-employment.

Projections and figures are based on what you enter. Not financial advice — speak to a regulated adviser before making decisions.

Your first year, in a few numbers

Takes about 5 minutes. Your answers are worked out on your device — we only send something if you ask us to email your PDF.

Date you first went self-employed

Where are you taxed?

Wales and Northern Ireland use the same income-tax bands as England.

Sessions per week (typical)

Typical session rate

Expected annual profit

Pre-filled from 6 × £350 × 42 billable weeks ≈ £88,200. Adjust it to your best guess — you can change it any time.

Expected annual expenses (optional)

Blank is fine — we then treat your gross fees as equal to profit, which gives a slightly higher, safer set-aside.

Any other employed (PAYE) income this tax year?

e.g. a salaried GP post or hospital work. A rough figure is fine — it just sets which tax band your locum profit stacks into.

Pensioning your locum work?

Already registered for self employment with HMRC?

Built for sole-trader locum and salaried GPs. Limited company modelling is out of scope for now.