How do I check an accountant is regulated?

Search the ICAEW or ACCA public directories by firm or member name. ACCOTAX London Ltd appears in the ICAEW firm directory.

Is a cheaper accountant a false economy for doctors?

Only if the fee leaves out work you need, such as pension tax checks. Compare what is included, not just the price.

Is the first call free?

Yes, a general first call with Medical.Accountants is free. Detailed technical tax advice is a paid, booked consultation.

Tax guides

Specialist accountants for Best accountants for doctors UK · Fixed fees · Free first call

Best accountants for doctors in the UK: how to choose

The best accountant for a doctor is the one who understands NHS pay, the NHS Pension Scheme and how your work is structured, and who agrees a clear fixed fee. This guide sets out fair criteria you can use with any firm, including us.

Quick answer

Medical.Accountants, the dedicated healthcare team of ACCOTAX London Limited (ICAEW and ACCA regulated chartered accountants) helps doctors across the UK with accounts, tax returns, NHS Pension annual allowance checks and IR35 questions. Fees start from £45.83 + VAT a month for limited company packages, agreed in writing before work starts, and your first general call is free. Detailed technical tax advice is a paid, booked consultation. Book paid tax advice.

What makes an accountant good for doctors?

Look for proven knowledge of the NHS Pension annual allowance and taper, locum pension forms, IR35 for NHS engagements, payments on account and medical expenses, a regulated firm (for example ICAEW or ACCA), and a written fixed fee that lists every return included.

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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

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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: 29 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

Check the firm is regulated and that a named, qualified accountant reviews your work.
Ask how they handle NHS Pension annual allowance and tapered allowance checks.
Compare written quotes line by line, not just the monthly figure.

Free guide: The Doctor's Tax & NHS Pension Handbook 2026/27

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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?

What problems do 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

What does it cost to leave your tax unchecked?

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 does a specialist medical accountant do?

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

NHS Pension annual allowance checks

Pension input amounts compared with the annual allowance and any taper, including carry forward and Scheme Pays decisions.

Self Assessment for doctors

Employment, private, locum and rental income reconciled, with professional subscriptions and other allowable expenses claimed.

Locum and limited company work

Sole trader or company structure reviewed, IR35 determinations checked and company accounts filed.

Tax planning for consultants

Private practice income, payments on account and pension tax considered together.

What to know before you decide

What should a specialist medical accountant know?

The NHS Pension Scheme sections and contribution tiers, how the £60,000 annual allowance and the taper for high incomes work, how locum A/B and Type 2 forms feed your pension record, IR35 for NHS public bodies, and allowable expenses such as GMC fees and indemnity. A general accountant can learn this; a specialist should already work with it every week.

How much does an accountant for doctors cost?

Published online price lists for UK healthcare accountants that we reviewed in October 2026 typically ran from about £50 to £90 a month plus VAT for sole-trader or locum work, and from about £90 to £125 a month plus VAT for a one-director limited company. Practice and partnership accounts were usually quoted individually. Treat these as indicative only: always compare a written quote that lists exactly what is included.

What questions should I ask an accountant before signing?

Ask who will do the work and their qualification; whether NHS Pension annual allowance checks are included or extra; how many tax returns the fee covers; how they handle IR35 for locum work; what happens if HMRC opens an enquiry; and how quickly they reply. Ask for the engagement letter before you sign.

Where does Medical.Accountants fit?

Medical.Accountants is the dedicated healthcare team of ACCOTAX London Limited, ICAEW and ACCA regulated. Limited company packages start from £45.83 + VAT a month (Essential/Compliance), with Core/Complete at £62.50 and Growth at £75 + VAT a month; dental packages start from £45 + VAT a month. The first general call is free; detailed technical tax advice is a paid, booked consultation.

Your questions answered

Do doctors need a specialist accountant?

Not always. A salaried doctor with simple PAYE pay may not need one. A specialist is most useful when you have private or locum income, a limited company, or NHS Pension annual allowance questions, because those rules are where costly mistakes are made.

Want us to check this for you? Get a free first call →

How is the NHS Pension annual allowance taxed?

If your pension input amount for the year exceeds your available annual allowance (£60,000 standard, tapered for high incomes to a minimum of £10,000), the excess is added to your income and taxed at your marginal rate. Unused allowance from the previous three years can usually be carried forward, and Scheme Pays may let the scheme settle the charge.

Check the official guidance · www.gov.uk

Help with this question: NHS Pension Tax & Annual Allowance for Doctors & Healthcare Professionals

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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 package

Medical accountants for doctors: limited company 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 packages

Personal 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 package

Employment 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.

Illustrative refund amount (£)

Professional fee, excluding VAT

£249

Ask about a tax refund

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

How much does a medical accountant cost?

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

Why choose 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 quote

How 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.

What do clients usually ask?

How do I check an accountant is regulated?: Search the ICAEW or ACCA public directories by firm or member name. ACCOTAX London Ltd appears in the ICAEW firm directory.
Is a cheaper accountant a false economy for doctors?: Only if the fee leaves out work you need, such as pension tax checks. Compare what is included, not just the price.
Is the first call free?: Yes, a general first call with Medical.Accountants is free. Detailed technical tax advice is a paid, booked consultation.

How do I speak to a specialist?

Leave your details and we'll call you back, or book a free first call straight away.

Book a free 15-minute first call

Related healthcare expertise

Accountant for doctors: specialist doctors accountants across the UK Locum doctor: sole trader or limited company?NHS pension annual allowance accountants Specialist vs general accountant: cost compared for doctors Medics Money accountant directory: how our £45.83/month package compares Tax refund service for doctors: £249 + VAT

Accountants for healthcare professionals Healthcare tax questions answered

About the author

Waqas Sagar ACA FCCA FMAAT

Founder of ACCOTAX and chartered accountant, with 18+ years' experience advising UK clients, including doctors, dentists and healthcare businesses.

Reviewed by Waqas Sagar ACA FCCA FMAAT on 29 October 2026

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 tapered annual allowance; NHS Business Services Authority; ICAEW directory.

Official guidance

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