The tax estimate and what to set aside

Where to find it

1. Open Tax in the web or mobile app — you’ll see the estimated bill for the year so far, what to set aside, CIS already paid, and any likely refund.
2. Or just ask on WhatsApp: “How much tax should I set aside?” or “What’s my tax bill going to be?”

What goes into the estimate

• Income received (cash basis — counted when paid).
• Expenses by category, plus your mileage allowance.
• The personal allowance (£12,570), Income Tax bands and Class 4 National Insurance.
• CIS already deducted from your uploaded statements — subtracted from the bill, which is how the estimate can show a refund.
• Property income handled separately, Section 24 included, for landlords.

Using the set-aside number

1. Check the weekly set-aside figure.
2. Move that slice of each payment into a separate pot as money lands.
3. Watch payments on account if your unpaid-at-source bill tops £1,000 — January can include 150% of a year’s tax.