Income & Expense Tracker for Self-Employed (SA 103)
Track rental income and allowable expenses month-by-month in the exact format HMRC requires for your Self Assessment. This tracker follows the SA103 structure with automatic calculations, finance cost separation, and full tax year coverage.
- SA 103 – Compliant Income & Expense Tracking
- Business Income Recognition
- Allowable vs Disallowable Expense Classification
- Taxable Trading Profit/Loss Calculation
Get Full Visibility into Your Self-Employment Income
Everything you need to understand how your business income turns into taxable profit not just cash in and out.
- Clear tracking of self-employment income
- Detailed categorisation of business expenses under SA 103
- Identification of allowable and disallowable costs
- Built-in trading profit or loss calculation
- Period-based reporting aligned to the UK tax year
- Designed specifically for UK sole traders and freelancers
Income & Expense Tracker (SA 103)
Monthly Financial Tracking Template
Section 1: ACCOUNT INFORMATION
Account holder name: [Full name]
Tracking period: [Month/Year]
Start date: [Date]
End date: [Date]
Currency:
☐ GBP (£)
☐ USD ($)
☐ Other: [Specify]
Account type:
☐ Personal
☐ Business
☐ Joint
2. INCOME TRACKING
Salary/Wages:
Primary employment: £[Amount]
Secondary employment: £[Amount]
Overtime/Bonuses: £[Amount]
Other Income Sources:
Rental income: £[Amount]
Investment returns: £[Amount]
Freelance/Self-employed: £[Amount]
Benefits: £[Amount]
Other: £[Amount]
Total Monthly Income: £[Amount]
(Sum of all income sources above)
3. EXPENSE TRACKING
Housing:
Rent/Mortgage: £[Amount]
Council Tax: £[Amount]
Utilities (Gas/Electric): £[Amount]
Water: £[Amount]
Internet/Phone: £[Amount]
Insurance: £[Amount]
Transportation:
Car payment: £[Amount]
Fuel: £[Amount]
Public transport: £[Amount]
Car insurance/Tax: £[Amount]
Living Expenses:
Groceries: £[Amount]
Dining out: £[Amount]
Clothing: £[Amount]
Personal care: £[Amount]
Financial Obligations:
Credit card payments: £[Amount]
Loan payments: £[Amount]
Savings: £[Amount]
Other debt: £[Amount]
Other Expenses:
Entertainment: £[Amount]
Healthcare: £[Amount]
Subscriptions: £[Amount]
Miscellaneous: £[Amount]
Total Monthly Expenses: £[Amount]
(Sum of all expense categories above)
4. FINANCIAL SUMMARY
Total Income: £[Amount]
Total Expenses: £[Amount]
Net Amount (Income - Expenses): £[Amount]
Savings Rate: [%]
(Calculated as: (Net Amount / Total Income) × 100)
Why You Need an Income & Expense Tracker Under SA103
Essential benefits of using an SA 103 compliant income and expense tracker for your self-employment business.
Income & Expense Tracker Essentials Under SA 103
Sole Traders
Ensures taxable trading profit is calculated correctly under SA 103.
Multiple Income Streams
Supports correct reporting where more than one trade exists.
Side Hustles
Prevents errors and overclaims on your tax return.
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Complete Your Self-Employment Business Toolkit
Self-employment income tracking is just one piece. Pair it with property-specific compliance tools including SA103 UK property trackers, tenancy agreements, and legal notices to manage your property business professionally.
Complete guide for landlords preparing for Making Tax Digital. Includes property income tracking templates.
View Template
Ensure your tax return is accurate with this step-by-step checklist covering all key deadlines and documents.
View TemplateStop Overpaying Tax on Self-Employment Income
Download the complete SA103-formatted income and expense tracker with all HMRC categories, automatic calculations, and proper expense classification for accurate Self Assessment filing.
