Tax deductions, VAT forecasting, profit calculation, late fees, and pension optimisation — powered by Claude AI, calibrated to UK law and the 2025/26 tax year.
Free for Tax Finder and VAT Forecaster. No card required.
Identify every HMRC-allowable expense for your profession with direct citations.
Track your rolling turnover and forecast when you'll hit the £90,000 threshold.
Find your true net hourly rate after Income Tax, Class 4 NI, and platform fees.
Calculate statutory interest and generate a professional demand letter instantly.
Find your optimal SIPP contribution and project your retirement pot.
“I found £3,200 in deductions I had missed in my first session. This paid for itself in 4 minutes.”
Emma R.
Freelance copywriter, London
“Finally an answer to "do I need to register for VAT yet?" without calling my accountant.”
James T.
Independent consultant, Manchester
“The late payment demand letter generator alone is worth it. Got paid within a week.”
Priya M.
UX designer, Bristol
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As a self-employed freelancer you can claim HMRC-allowable expenses including home office costs, professional subscriptions, equipment, software, travel on business, accountancy fees, and more. The exact list depends on your profession and employment structure.
You must register for VAT when your rolling 12-month turnover exceeds £90,000 (2025/26 threshold). Registration must be completed within 30 days of the month in which you breached the threshold.
HMRC guidance is comprehensive but generic. FFCC uses Claude AI to apply the rules specifically to your profession and circumstances, returning a categorised list with direct HMRC citations.
Yes. Your data is stored in Supabase Postgres with Row-Level Security — only you can access your data. API keys never reach your browser. We never sell or share personal data.
Class 4 NI is paid by self-employed people on profits above £12,570. In 2025/26 the rate is 6% between £12,570 and £50,270, and 2% above. FFCC's profit calculator accounts for this automatically.
Yes — the Side-Hustle Profit Calculator specifically handles the tax band impact of primary employment income on your side income, which is a common scenario for millions of UK workers.
Under the Late Payment of Commercial Debts (Interest) Act 1998, you can charge 8% above the Bank of England base rate on overdue invoices from business clients. FFCC calculates the exact amount and generates a compliant demand letter.
A Self-Invested Personal Pension (SIPP) is the most tax-efficient way for self-employed people to save for retirement. Contributions receive tax relief at your marginal rate — a 40% taxpayer pays just £60 for every £100 contributed.
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