UK freelancers and sole traders

Are you about to hit the VAT threshold without realising?

Check your last 12 months of income in seconds using a Monzo or Starling spreadsheet export. Your bank data never leaves your device.

Check VAT threshold risk View supporting tools
Why check now?

VAT is based on a rolling 12-month total, not a tax year

Many small businesses spot the problem late because income builds up across calendar and tax-year boundaries. The checker helps you spot when you may need to check GOV.UK guidance or speak to an accountant.

  • Uses the current £90,000 UK VAT registration threshold
  • Shows the rolling period being checked
  • Estimate only; not tax advice
Browser-only processing Your bank data never leaves your device.
No signup or bank connection Upload a spreadsheet export when you want to check.
Built for early warning Use outputs as a starting point, not professional advice.
Start here

Check if you are close to the VAT threshold

Upload a Monzo or Starling Excel or CSV export. The tool totals positive incoming transactions in the rolling 12-month period, compares that bank-income estimate with the VAT threshold used by the tool, and shows a clear risk level.

Open VAT checker
Supporting tools

Supporting finance spreadsheet tools

These are useful, but they are secondary to the VAT checker. Use them when you have a specific import or review task.

Xero import cleanup

Fix Monzo CSV imports for Xero

Convert a Monzo transaction export into a Xero-ready bank statement CSV.

Convert Monzo CSV

Spreadsheet review

Review income and expenses from an MTD spreadsheet

Map an Excel or CSV spreadsheet and download a simple income and expense review summary.

Review spreadsheet
VAT guides

Understand the rules before you rely on a number

Short, practical guides for the VAT questions that usually sit behind the checker.

Rolling 12 month VAT threshold explained Why the threshold is not just a tax-year check. Do I need to register for VAT? How to turn an income estimate into a next step. What counts towards VAT registration? Why bank income and VAT registration income can differ. What happens if you register late for VAT? Why monthly checking can prevent expensive surprises. Why the VAT threshold is not based on the tax year The misconception that makes the rolling threshold easy to miss. How freelancers accidentally miss VAT registration Uneven income, mixed accounts, and checks left until year end. Why bank income can differ from VAT turnover Transfers, refunds, missing accounts, and other review traps.
Future feature

Monthly VAT review reminders are being tested

Reminder emails and saved review history may come later if the checker proves useful. For now, the focus is the browser-based VAT review workflow.

About and independence

Built by Simon Feltham as independent browser-based tools

I am a software engineer working in UK fintech. I build feltPro outside my day job to make common finance spreadsheet tasks simpler, more private, and easier to check.

feltPro is not affiliated with, endorsed by, certified by, or sponsored by Monzo, Starling, Xero, HMRC, or GOV.UK. Their names are used only to describe compatible exports, destination formats, or official guidance sources.

Contact Simon Feltham
Before you rely on an output

Privacy

  • Files are processed in the browser
  • Spreadsheet contents are not uploaded or stored
  • Analytics are aggregate and do not include file data

Professional advice

  • Outputs are simple estimates or format conversions
  • The tools do not provide tax, legal, or accounting advice
  • Check important decisions with GOV.UK, Xero, HMRC, or a qualified adviser

Scope

  • No HMRC submission service
  • No bank login or account aggregation
  • No bookkeeping classification workflow