UK sole traders and freelancers

Are you about to cross the UK VAT threshold?

Upload a Monzo or Starling CSV and get a rolling 12-month income estimate.

Many UK sole traders accidentally cross the VAT threshold because it is based on a rolling 12-month total, not a tax year. This tool helps you spot risk early.

This is an estimate, not tax advice. It only uses the transactions in your CSV and does not replace accountant or HMRC guidance.

  • Your file is processed in your browser and is not uploaded or stored. Nothing is saved after you close the page
  • No signup or bank connection required
  • This tool uses a £90,000 VAT registration threshold

Your CSV must include a date and an amount. Most Monzo and Starling exports work automatically.

Positive amounts are treated as income. Transfers, refunds, personal payments, and non-business income may make the estimate inaccurate.

If your taxable turnover exceeds the VAT threshold, HMRC rules can require registration within 30 days of the relevant trigger.

What this tool does

It totals positive bank transactions in the last 365 days and compares that estimate with the UK VAT registration threshold used by this tool.

This tool is deliberately simple: no bank connection, no server upload, no tax filing workflow, and no VAT classification.

How it works

  1. Export transactions from Monzo or Starling as a CSV file.
  2. Upload the file here.
  3. Review your rolling-year estimate and risk level.