Righto Tax for Trades
For sole-trader electricians, plumbers, builders, roofers, joiners and every other trade. Upload your bank statements and they become your quarterly updates, your CIS deductions are tracked all year, and you sign off every figure.
Under Making Tax Digital you keep digital records and send HMRC an update by 7 August, 7 November, 7 February and 7 May, then a tax return after the year ends.
Each missed deadline earns a point. At 4 points HMRC charges a £200 penalty, and another for each deadline missed after that. If you must join in April 2027, there are no points for 2027–28 updates, but you still have to send them.
Contractors must deduct 20% from payments to you if you’re registered for CIS, and 30% if you’re not. Any overpayment only comes back when your tax return is filed.
Each digital record needs the amount, the date and a category. Sorting a quarter’s transactions by hand takes hours you could be paid for.
What CIS covers, the costs you can claim and when Making Tax Digital starts, for your trade.
Upload your bank statements. From your business account, as the files your bank gives you.
We sort it. Each line goes in the right box. Payments from contractors are matched to your CIS statements.
You check. Your quarterly figures are prepared and shown to you to check, with your CIS deductions counted.
You send it. Your figures come as a file your software imports. You send them to HMRC yourself with free Making Tax Digital software.
These plans are not on sale yet. Hold your place and we’ll email you the day they open; no payment is taken until then.
Opening soon
Your books sorted and your figures ready. You send them.
£15 a month, inc VAT
Opening soon
Your 2025-26 return worked out box by box. You submit it.
£69 one-off, inc VAT
Coming later. Not available yet: starts once our HMRC registrations are complete.
Once our registrations are complete, we’ll send your quarterly updates and tax return to HMRC for you, after you confirm the figures.
Coming later. Not available yet: starts once our HMRC registrations are complete.
Once our registrations are complete, we’ll send your tax return to HMRC for you, after you confirm the figures.
Weighing us up against Hnry, FreeAgent, Starling or an accountant? See the options side by side, with prices and the date we checked them.
We’ll email you when Trades Tax opens, with the founding offer while places last. No payment is taken.
Enter last year’s turnover and our checker tells you when Making Tax Digital starts for you and when your first update is due.
Since 6 April 2026 if your qualifying income was over £50,000 on your 2024-25 tax return. From 6 April 2027 if your qualifying income was over £30,000 on your 2025-26 tax return. From 6 April 2028 if your qualifying income was over £20,000 on your 2026-27 tax return. Qualifying income is the total of self-employment and property income before expenses (turnover), not profit.
Qualifying income is the total of self-employment and property income before expenses (turnover), not profit. Employment (PAYE) income, dividends, State and private pensions, and an individual partner's share of partnership profit do not count towards qualifying income.
Before you join Making Tax Digital, over-deducted CIS is claimed back through your Self Assessment tax return. Once you are in Making Tax Digital, HMRC adds your CIS deductions to your tax return, and any refund is requested separately through HMRC online services. Either way, the sooner after 5 April the return is filed, the sooner HMRC can repay you. HMRC's SA100 asks taxpayers to allow up to 4 weeks for a repayment to reach them before contacting HMRC.
Each missed quarterly update or tax return deadline earns one penalty point; at 4 points a £200 penalty is charged, plus £200 for each later missed deadline. There are no penalties for missing a quarterly update deadline for the 2026-27 tax year, but records and updates are still required and late tax returns and late payments are still penalised. At the Budget on 28 October 2026 the government said it will not give late submission penalty points for 2027-28 quarterly updates to people who must join MTD for Income Tax in April 2027; they still have to send the updates before they can submit their tax return.
MTD for Income Tax does not change how tax is paid or the payment due dates.
No. We never sign in to HMRC for you or ask for your HMRC login. We prepare your quarterly figures, and you send them to HMRC yourself with free Making Tax Digital software.
Righto Tax uses automated software, including AI, to prepare your records. The company's director is accountable for the service, and you check and confirm every figure before anything is sent to HMRC. NJG Consultancy Ltd is not a member of a professional accountancy body.
This is general information to help you understand the rules. It isn't tailored to your circumstances, so check your own position before acting on it.