For freelancers & sole traders

Just made the leap?
You're in safe hands.

A dedicated plan for UK freelancers, contractors and sole traders earning up to £90k. Bookkeeping, Self Assessment, quarterly tax projections — all included for £65 + VAT a month. No surprises in January.

What's included

Everything you need.
Nothing you don't.

Most freelancer accountancy plans either give you a self-service ledger (cheap but lonely) or charge by the hour for advice (expensive and unpredictable). Our plan is a fixed monthly fee with a real chartered accountant on the other end.

You'll have your books reconciled weekly, a quarterly check-in to project your tax bill, and your Self Assessment filed by the end of November — months before the rush.

Schedule a call
Cloud accounting dashboard for a freelancer's books
From £65/mo + VAT
The plan

£65 a month, all in.

A flat monthly fee covers everything below. No hidden extras, no per-question billing, no "quick chat" surprises.

  1. i.
    Self Assessment, filed by NovemberYour full SA100 prepared, reviewed and submitted to HMRC months before the January deadline.
  2. ii.
    Cloud bookkeeping in Xero or QBOBank feeds reconciled weekly. Receipts captured by Dext. We cover your first three months of subscription.
  3. iii.
    Quarterly tax projectionsTwenty-minute call every three months. You'll know what's owed in January by the previous July.
  4. iv.
    Expense rules & structure reviewHome-office, mileage, professional subscriptions — what's allowable, what isn't, what to keep records of.
  5. v.
    HMRC correspondenceIf a brown envelope arrives, we open it on your behalf, draft the reply and copy you in.
  6. vi.
    Email reply within 24 hoursFrom a chartered accountant, not a ticket bot. No chargeable "quick chats".
First steps

Three things
to do this week.

You don't have to have it all figured out before you call. Most freelancers we onboard are doing one or more of these wrong. That's why we exist.

  1. i.

    Register for Self Assessment

    If you've earned over £1,000 self-employed in this tax year, you must register with HMRC by 5 October. We'll do this for you on day one.

  2. ii.

    Open a separate account

    Mixing personal and business spending creates a forensic nightmare at year-end. Any free business account works — Tide, Mettle, Starling. Takes 10 minutes.

  3. iii.

    Save 25% of every invoice

    For the moment. Once we've projected your tax position, we'll give you a more accurate figure — but 25% is the safe interim rule for sole traders.

A word from a client
“I went freelance in March knowing precisely nothing about Self Assessment. By July, Meridian had me on Xero, projected my January bill, and saved me £3,400 in allowable expenses I didn't know I could claim.”
Tom Carrington Independent product designer · London
Often asked

Common questions
from freelancers.

Have one we haven't answered? Email hello@meridianaccountancy.co.uk.

The rough rule of thumb is £30k–50k of profit, but it depends on your other income and how much you draw out. We model both options for you during onboarding so you can see the actual tax difference.

You must register if your taxable turnover exceeds £90,000 in a rolling 12-month period (correct as at 2026). Voluntary registration can sometimes save tax — we'll review this at our quarterly check-ins.

The principle is "wholly and exclusively for business". The common ones: home-office (simplified or proportion of bills), mileage (45p/mile for the first 10,000), software subscriptions, training, professional indemnity insurance. We send a full guide during onboarding.

If you contract through a Limited company to medium-or-large clients, IR35 is something we'll review every contract for. Sole traders aren't usually in scope. Either way — we'll know within 15 minutes of seeing your contracts.

That's a common starting point — talk to us anyway. We'll catch up the missing year as part of onboarding (one-off fee, usually £180). Penalties for late filing are real but mostly negotiable if you act quickly.

A 30-minute discovery call

Free. No obligation.
Real chartered advice.

Schedule a call See full pricing