Test one taxpayer against the MTD line

Gross income test, your start date, your four filing dates, and what one late payment costs.

Gross self-employment turnover on the return £ Gross property rents on the return £ Tax year of the return being tested Months the business ran in that year months Tax due at the balancing payment £ Days late you are modelling days First year in the new penalty regime (adds 15 days)

Qualifying income (gross, annualised)	—
Verdict on this return	—
Mandated from	—
First quarterly update due	—
All four quarterly dates	—
Final declaration due	—
Late payment penalty modelled	—
How that penalty was built	—

The gross test, annualised
Adds gross self-employment turnover to gross rents — receipts, not profit, and before expenses — then scales a part-year business up to twelve months the way HMRC's qualifying income test does.

Which 6 April pulls you in
Maps the tax year on the return being tested to its own threshold and start date: 2024-25 return / over £50,000 / 6 April 2026; 2025-26 / £30,000 / 2027; 2026-27 / £20,000 / 2028.

Your four filing dates, printed
Gives the 7 August, 7 November, 7 February and 7 May quarterly update deadlines for your first mandated year, plus the final declaration date that replaces the return.

What missing the date costs
Applies 3% of the tax unpaid at day 15 and a further 3% at day 30, then 10% a year charged daily, with the first-year 15-day easement as a switch you can turn off.

Export the dated schedule (.csv)
Paid layer: writes the start date, the four quarterly dates, the final declaration date and the penalty working to a .csv you keep — one per client, ready to paste into a practice tracker.

Reminders before each 7th
Paid layer: sets browser alarms fourteen days before each filing date so the deadline finds you, instead of you remembering to open a checker four times a year.

Open full tool → getreadystack.com