UK Sole Trader & Contractor Guides: HMRC SA103, MTD VAT & AMAP Mileage | Keel

Business guides · United Kingdom

Business guides for sole traders and contractors in the UK.

For sole traders, subcontractors and the self-employed: HMRC Self Assessment (SA103S / SA103F), Making Tax Digital (MTD) for VAT, 45p/25p AMAP business mileage rates, CIS records, and compliant UK invoices.

  • sole trader
  • subcontractor
  • HMRC
  • SA103S / SA103F
  • MTD VAT
  • 45p/25p AMAP
  • CIS
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Rules by nation.

Licensing, insurance and MTD VAT on your work — where the province or state changes the answer.

Guides by topic.

Written for United Kingdom first. Guides marked any market apply wherever you work.

Start your business

Registration, licences, insurance and the first-week list — the rules that apply where you work.

All start your business guides →

Price & quote work

Building a number from your own costs, and putting it in front of the customer.

All price & quote work guides →

Jobs & customers

When the job changes, the estimate was too low, or the customer needs a conversation.

All jobs & customers guides →

Invoices & getting paid

What goes on the invoice, deposits, payment terms, and what to do when it is late.

All invoices & getting paid guides →

Receipts & expenses

What you can deduct, what to keep, and how to keep it so it survives an audit.

All receipts & expenses guides →

Mileage

The rate, the log and what counts as business driving.

All mileage guides →

Taxes & deductions

What you owe, when it is due, sales tax on your work, and the return itself.

All taxes & deductions guides →

Records & bookkeeping

How long to keep records, separating money, and handing the year to your accountant.

All records & bookkeeping guides →

Tools & templates

Estimate and invoice templates by trade, with a free maker that runs in your browser.

All tools & templates guides →

Compare business apps

Where the alternatives fit, where they do not, and what you give up when you link a bank.

All compare business apps guides →

Frequently asked questions.

What records do sole traders in United Kingdom need to keep?
For sole traders, subcontractors and the self-employed: HMRC Self Assessment (SA103S / SA103F), Making Tax Digital (MTD) for VAT, 45p/25p AMAP business mileage rates, CIS records, and compliant UK invoices. Keeping every estimate, invoice, receipt and business trip organized under its customer and job ensures your supporting records are ready for HMRC (SA103S / SA103F).
How does MTD VAT work on invoices in United Kingdom?
When registered or required to collect MTD VAT in United Kingdom, your invoices must state your business details, itemised charges, the applicable MTD VAT rate and amount, and the total payable.
Can I use Keel as a sole trader in United Kingdom?
Yes. Keel is free to download on the App Store for iPhone and lets you create estimates, jobs, invoices, receipts, expenses and mileage logs with no bank connection.
What is the best free sole trader invoice app in the UK for iPhone?
Keel is free on the UK App Store for sole traders, CIS subcontractors, freelancers and consultants. You can send GBP (£) quotes and VAT/non-VAT invoices, scan receipts offline, and log 45p/25p HMRC AMAP business mileage with no monthly subscription.
How do I prepare HMRC Self Assessment (SA103S / SA103F) and CIS deduction records?
Keel organizes your UK invoices, 20% or 30% CIS subcontractor deductions, allowable business expenses and mileage logs into clean SA103S/SA103F categories and Making Tax Digital (MTD) ready exports.

From reading about it to doing it.

Keel keeps your quotes, work orders, invoices, receipts, expenses and trips together. On the App Store as “Keel: Estimating & Invoicing”: Sole Trader Quoting & Costing. Free to download on the App Store.

Download on theApp Store
QR code: Keel on the App Store
Scan with iPhone camera to get Keel Send link to iPhone: Email · SMS