What to know before you decide
What's inside
Tax returns, expenses, IR35, NHS Pension, annual allowance, Making Tax Digital, limited companies and mortgages, with links to the full guides on this site.
Tax guides
Free Guide: The Doctor's Tax & NHS Pension Handbook 2026/27
Our free doctors' tax guide brings the key 2026/27 rules for doctors into one place. Everything in it is also published on this site, so you can read the main points below or request the handbook and a free review using the form on this page.
What is in the doctors' tax guide?
The guide covers tax returns, allowable expenses, IR35 for locums, the NHS Pension and annual allowance, Making Tax Digital, limited companies and mortgage documents for doctors, all updated for 2026/27. Each section links to the full guide on this site and the official HMRC, GOV.UK or NHSBSA source.
Fixed fees, specialist healthcare accountants, and every HMRC and NHS Pensions deadline handled.
- Fixed monthly fee — no surprises
- Specialist in NHS pension and healthcare tax
- Onboarding within 48 hours
- ICAEW & ACCA regulated
- 5,000+ clients served by ACCOTAX
- Specialist healthcare accountants
Reviewed by Waqas Sagar ACA FCCA FMAAT, Founder of ACCOTAX, 18+ years' experience · Last reviewed: 8 October 2026 · Updated for the 2026/27 tax year
Medical.Accountants by ACCOTAX, ICAEW/ACCA-regulated chartered accountants, London, serving clients across the UK. Over 5,000 clients served.
Key takeaways
- Your actual working arrangements determine the tax treatment; choosing a package does not change your employment status.
- Keep records for each income source and check the official guidance linked to the questions below.
- Agree the accounts, returns and advisory work you need before accepting a written fixed-fee quote.
Which accountancy support fits your income?
Start with how you are paid. Different income sources can need different accounts, returns and expense checks.
| How you work | What we check | Support to explore |
|---|---|---|
| Employed or umbrella (PAYE) | Tax codes, eligible employment expenses and whether a tax return is needed. | Healthcare tax refund support |
| Genuinely self-employed | Business income and expenses, Self Assessment and MTD eligibility. | Healthcare Self Assessment service |
| Your own limited company | Company accounts, Corporation Tax, director income and off-payroll status where relevant. | Healthcare limited company accounts |
| Partnership | Practice accounts, allocated profit and each partner’s personal tax position. | Healthcare partnership accounts |
Sound familiar?
Problems we fix for salaried and resident doctors
- "I think I'm paying too much tax because of a wrong tax code."
- "I've never claimed my GMC, BMA or royal college fees."
- "My extra shifts and bank work are taxed wrongly."
- "I don't know whether I need to file a tax return."
- "I've received a pension annual allowance letter."
What it's costing you
Leaving it unfixed is rarely free
- Overpaid tax
- Unclaimed expenses and wrong tax codes mean paying more than you owe, year after year.
- HMRC penalties and interest
- Late returns attract automatic penalties, plus interest on tax paid late.
- Lost evenings
- Hours spent on forms, invoices and spreadsheets after a long shift.
General examples — your position depends on your own figures.
How we solve it
What we actually do for you
Refund claims
We claim back overpaid tax for up to four previous years.
Tax code checks
We check every employment and fix wrong codes with HMRC.
Self Assessment
Filed for you when you need one, and explained when you don't.
Pension statement review
We explain your annual allowance position in plain English.
How we help
01
Tax returns and expenses
Self Assessment deadlines, payments on account and the expenses doctors can claim.
02
IR35 and limited companies
Status Determination Statements, and when a company helps or does not.
03
NHS Pension and annual allowance
Contribution tiers, the £60,000 annual allowance, taper and Scheme Pays.
04
MTD and mortgages
Making Tax Digital from April 2026 and the documents lenders ask for.
Your questions answered
What is carry forward?
Carry forward allows you to use unused pension annual allowance from the three previous tax years. This can increase your current year contribution limit beyond the standard £60,000 allowance. You must have been a member of a registered pension scheme during those prior years. It is a vital tool for clinicians managing their NHS pension growth.
Check the official guidance · www.gov.ukWant us to check this for you? Get a free review →Can I reduce future charges?
Future tax charges can often be managed through proactive planning and utilising available allowances. This might involve reviewing your pension contributions or business structure. The NHS annual allowance is currently £60,000, though this tapers for high earners. We help you understand how these legislative limits apply to your projected healthcare income.
Want us to check this for you? Get a free review →What is the McCloud remedy and how does it affect me?
The McCloud remedy addresses age discrimination in public service pension schemes, including the NHS pension. It allows eligible members to choose between different scheme benefits for the remedy period. This choice can impact your tax position and annual allowance calculations. We recommend reviewing your pension statements annually to monitor for potential tax charges.
Help with this question: NHS Pension Tax & Annual Allowance for Doctors & Healthcare Professionals
Want us to check this for you? Get a free review →Quick quote
See what you could save — get a fixed fee in one working day
Three fields. No obligation. A specialist replies, not a sales team.
Packages for your working life
Accountancy packages for doctors
Self-employed income, a limited company, PAYE or a mixture: start with the support that matches how you actually work. We check your status and agree the scope and fee before starting.
Self-employed accountants for doctors packages
For genuine sole-trader income. We prepare your business accounts and Self Assessment, review allowable expenses and explain payments on account.
- Sole-trader accounts and personal tax return
- Allowable business expenses reviewed
- Tax reserve and payment deadline guidance
- MTD support scoped separately where required
Fixed fee quoted after a review
Discuss this packageLimited company accountants for doctors packages
For clinicians working through their own company. Choose Essential/Compliance, Core/Complete or Growth according to your accounts, bookkeeping and payroll needs.
- Statutory accounts and Corporation Tax return
- One director return for salary and dividends from the same company
- Confirmation statement support; filing fee extra
- Bookkeeping, VAT and payroll according to your chosen plan
Company packages from £45.83 + VAT / month
Compare company packagesPersonal tax return packages for doctors
For employed clinicians, partners and people with mixed income who need a return. We check whether Self Assessment is required and reconcile the relevant income, expenses and pension tax information.
- Self Assessment requirement checked
- PAYE and other income reconciled
- Eligible employment expenses reviewed
- Pension tax work agreed separately where needed
Fixed fee quoted after a review
Discuss this packageEmployment status is determined by the facts, not the package you choose. PAYE, umbrella and partnership arrangements may also apply. A limited company does not override IR35 or off-payroll rules, and not every employed clinician needs a tax return.
Overpaid tax?
Tax refund support for doctors
We review tax codes, eligible professional expenses and overpaid tax, then prepare a claim where you qualify. A refund is not guaranteed; HMRC decides the claim.
£249 + VAT
For refunds up to £5,000, our fee is £249 plus VAT. For refunds above £5,000, add 5% of only the amount above £5,000 to the £249 fee. VAT applies to the total professional fee.
Example: a £6,000 refund means £249 + £50 = £299 plus VAT.
Professional fee, excluding VAT
£249
This illustrates the fee only, not whether you qualify or how much HMRC will refund. We agree the claim scope and payment terms before work starts.
What's included
Limited company packages — compare what's included
Essential/Compliance
For locums, salaried GPs and dentists with a limited company
from £45.83 + VAT /month
- FRS 105 or FRS 102 1A statutory accounts
- Corporation tax return (CT600) and tax computation
- Confirmation statement preparation and filing support
- One director Self Assessment return
- Deadline reminders ahead of every filing date
Core/Complete
For private practice, consultants and associate dentists
from £62.50 + VAT /month
- Everything in Essential/Compliance
- Monthly bookkeeping and bank reconciliation
- Quarterly Making Tax Digital VAT returns
- Director payroll with RTI filing and pension submissions
- Quarterly review call on numbers and tax position
Growth
For clinics, dental practices and growing medical teams
from £75.00 + VAT /month
- Everything in Core/Complete
- Payroll for up to five employees
Prices exclude VAT. Making Tax Digital quarterly updates available as an add-on. Compare fees
Why clinicians trust us
Chartered accountants who know the NHS
- ACCOTAX has served over 5,000 clients.
- Regulated chartered accountants (ICAEW and ACCA).
- Founded by Waqas Sagar ACA FCCA FMAAT, with 18+ years' experience.
Reviewed by Waqas Sagar ACA FCCA FMAAT
Chartered accountant and founder of ACCOTAX. Last reviewed October 2026.
Get my fixed-fee quoteHow it works
- 01
Free call
A 15-minute chat about your income, structure and deadlines.
- 02
Onboarding in 48 hours
We set up your records, software and HMRC agent access.
- 03
We handle the rest
HMRC, NHS Pensions and every deadline, with reminders before each one.
Free resource
Get the doctor expenses checklist free
Tell us where to send it and we'll email it to you.
Speak to a specialist today
Leave your details and we'll call you back, or book a free review straight away.
Book a free 15-min tax reviewRelated healthcare expertise
NHS Pension Tax & Annual Allowance for Doctors & Healthcare ProfessionalsThe NHS Pension Scheme Explained: A Complete 2026/27 GuideNHS Pension Contribution Rates 2026/27NHS Pension Annual Allowance ExplainedMortgages for Doctors: What Lenders Need From Your AccountantIncome Protection for Doctors: How It's Taxed
General information for the 2026/27 tax year, prepared from the official guidance linked below. It is not personalised tax or regulated financial advice. Rules and circumstances can change; confirm your position before acting.
Official sources referred to on this page: GOV.UK: Annual allowance; GOV.UK: Self Assessment; GOV.UK: IR35.