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Know what to charge. Keep track of what you’re owed.

Spreadsheet tools for UK freelancers, sole traders and landlords that do the money maths for you.

See the spreadsheets Check if MTD applies to you
Works in Excel, Google Sheets and Apple Numbers. Instant download from Etsy.

Try it: what should you charge?

Change any number and your rate updates.

£
%
£
%
Your hourly rate
£66 /hr
Day rate
£527

Includes a 10% safety buffer. The full spreadsheet adds your minimum rate, project pricing, an invoice tracker and a monthly dashboard. Planning tool, not tax advice.

Two spreadsheets, one job each

Each one is ready in about ten minutes. Fill in the yellow cells and everything else calculates itself.

For freelancers and self-employed people

Freelance Rate Calculator & Income Tracker

Works backwards from the money you want to take home to your real hourly, day and project rates, then tracks every invoice against your target.

  • Minimum and recommended rates, plus day and weekly rates
  • Fixed-price project quotes with built-in contingency
  • Invoice tracker that turns overdue payments red
  • Monthly dashboard and a 6-page Freelance Pricing Guide
£30 instant download
Buy on Etsy
For UK sole traders and landlords

MTD Quarterly Record Keeper 2026/27

Keeps every income and expense item in HMRC’s categories and builds the year-to-date totals your bridging software sends each quarter.

  • Self-employment and UK property records, joint ownership included
  • Quarterly totals ready for HMRC-recognised bridging software
  • Mileage log, use-of-home flat rate and a tax-pot estimate
  • Deadline tracker, pop-up entry form and an illustrated guide
£30 instant download
Buy on Etsy

Both work in Microsoft Excel, Google Sheets and Apple Numbers. The MTD entry form needs Excel on Windows or Mac.

Does Making Tax Digital apply to you?

From April 2026, sole traders and landlords over the income threshold must keep digital records and send HMRC quarterly updates. The threshold falls each year, so check now and again next year.

Free start-date checker

Enter your income to see your result.

Gross means before expenses. Salary, pensions, dividends and savings interest don’t count. Thresholds as published by HMRC; always check GOV.UK. Guidance only, not tax advice.

Made for people who’d rather be working

Folio & Fox makes spreadsheet tools for the money side of running your own business: pricing, invoices, records and tax deadlines.

Every template is built to be filled in quickly, checked for you as you type, and explained in plain English, with no subscriptions or new software to learn.

Questions or a problem with a file? Email [email protected] or message us on Etsy.

How do I get the file after buying?

Etsy gives you a download link straight after payment. You’ll also find it under Purchases in your Etsy account.

Does the MTD spreadsheet submit to HMRC?

No. It keeps your records and builds the quarterly totals. To send them, you use HMRC-recognised bridging software, which reads the totals from the spreadsheet.

Will it work in Google Sheets?

Yes. Upload the file to Google Drive and open it with Google Sheets. The MTD pop-up entry form needs desktop Excel, but everything else works the same.

What currency does the rate calculator use?

Any currency. Enter amounts in the currency you invoice in, and set your own tax rate estimate.

Can I get a refund?

Because these are digital downloads, refunds aren’t available once a file has been downloaded, except where required by law. If anything isn’t working, contact us and we’ll put it right.