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Services
Tax Planning & Reviews for Doctors & Healthcare Professionals
Tax Planning & Reviews for doctors, dentists, nurses and clinics. Annual tax review. Fixed fees, ICAEW-regulated. Get a quote.
What does a specialist tax planning & reviews service for healthcare professionals include?
Our tax planning & reviews service for doctors and healthcare professionals covers annual tax review, income structuring, pension contributions. It solves the problems we see most often — paying more tax than necessary; £100k trap; pension and property decisions — on a fixed monthly fee agreed in writing before any work starts.
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
- Problems solved: Paying more tax than necessary; £100k trap; pension and property decisions.
- Included: Annual tax review.
- Included: income structuring.
- Included: pension contributions.
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 self-employed healthcare professionals
- "My tax return is late and I'm worried about HMRC penalties."
- "I got a tax bill I didn't expect and don't know why."
- "HMRC has opened an enquiry and I don't know what to send."
- "My mortgage lender wants SA302s and tax year overviews."
- "My current accountant doesn't understand the NHS."
- "I have a buy-to-let alongside my clinical income."
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
Urgent catch-up
We bring overdue returns up to date and talk to HMRC on your behalf.
Tax reserve plan
We tell you what to set aside each month so January holds no surprises.
Enquiry support
We handle HMRC correspondence and prepare the records they ask for.
Simple switching
We contact your old accountant and move your records for you.
How we help
01
Annual tax review
Part of our tax planning & reviews service for doctors and healthcare professionals, delivered on a fixed fee.
02
income structuring
Part of our tax planning & reviews service for doctors and healthcare professionals, delivered on a fixed fee.
03
pension contributions
Part of our tax planning & reviews service for doctors and healthcare professionals, delivered on a fixed fee.
04
Gift Aid
Part of our tax planning & reviews service for doctors and healthcare professionals, delivered on a fixed fee.
Your questions answered
What does a tax planning review include?
Our tax planning reviews involve a comprehensive analysis of your professional income, expenses, and available reliefs. We examine your current business structure and pension position. The review identifies opportunities to utilise allowances like the £500 dividend allowance or £10,500 employment allowance. All advice is tailored to the specific regulations governing UK healthcare professionals.
Want us to check this for you? Get a free review →How can I legally reduce my tax?
Tax liability can be reduced by ensuring all professional expenses are claimed and all statutory allowances are utilised. This includes the £12,570 personal allowance and various business reliefs. You may also consider the timing of equipment purchases or pension contributions. Medical.Accountants provides remote, UK-wide advice to help healthcare workers maintain tax efficiency.
Want us to check this for you? Get a free review →What is the £100k tax trap?
The tax trap occurs because the £12,570 personal allowance is tapered away once adjusted net income exceeds £100,000. For every £2 earned above this limit, £1 of the allowance is lost. This results in a high effective tax rate on income within this specific bracket. Careful planning is required for doctors moving into senior roles.
Check the official guidance · www.gov.ukWant us to check this for you? Get a free review →How do pension contributions reduce tax?
Most NHS doctors and many healthcare staff are members of the NHS Pension Scheme. Contributions are deducted through payroll, and locum or private work can count only through the correct forms. High earners should check the annual allowance each year, as pension growth can trigger a tax charge.
Check the official guidance · www.gov.ukHelp with this question: NHS Pension Tax & Annual Allowance for Doctors & Healthcare Professionals
Want us to check this for you? Get a free review →Is Gift Aid worth claiming?
You can claim tax relief on costs incurred wholly and exclusively for your work: HMRC-approved professional fees such as GMC, NMC, GDC or HCPC registration and approved royal college and union subscriptions, uniform laundering, and business mileage between workplaces. Ordinary commuting and most exam or training costs for new qualifications are not allowable. Employees can claim back up to four tax years.
Want us to check this for you? Get a free review →When should I review my tax position?
You should review your tax position annually or whenever your clinical income significantly changes. Key triggers include becoming a partner, starting private work, or reaching the £50,000 MTD for Income Tax threshold in April 2026. Regular reviews ensure you meet the 31 January filing deadline. We provide ongoing support for doctors throughout their careers.
Want us to check this for you? Get a free review →Can tax planning help with property income?
Tax planning can help identify the most efficient way to hold and manage your property portfolio. This includes understanding how property income interacts with your medical earnings and personal allowance. We can assist with calculations for Self Assessment filings due each January. Our remote service covers property-owning healthcare professionals across the United Kingdom.
Want us to check this for you? Get a free review →How much does a tax review cost?
Our packages for doctors and healthcare professionals start at £45.83 + VAT a month, with Core at £62.50 and Growth at £75 + VAT. The right package depends on your income sources, whether you trade through a company and any payroll, VAT or pension work. We confirm the exact fee in writing before any work begins, so there are no surprise invoices.
Want us to check this for you? Get a free review →What is the £100k tax trap and does it affect NHS doctors?
The tax trap occurs because the personal allowance of £12,570 is tapered away for income above £100,000. For every £2 earned over this threshold, £1 of allowance is lost. This creates a high effective marginal tax rate in that specific income band. Many senior NHS doctors fall into this bracket due to their total earnings.
Check the official guidance · www.gov.ukWant 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 deadline calendar free
Tell us where to send it and we'll email it to you.
Your questions, answered
- What is included in your tax planning & reviews service?
- It depends on your circumstances. Our team reviews your income, structure and records and confirms the right approach for doctors and healthcare professionals in writing as part of your fixed-fee service.
- How much does tax planning & reviews cost for healthcare professionals?
- Our packages for doctors and healthcare professionals start at £45.83 + VAT a month, with Core at £62.50 and Growth at £75 + VAT. The right package depends on your income sources, whether you trade through a company and any payroll, VAT or pension work. We confirm the exact fee in writing before any work begins, so there are no surprise invoices.
- How quickly can you start?
- It depends on your circumstances. Our team reviews your income, structure and records and confirms the right approach for doctors and healthcare professionals in writing as part of your fixed-fee service.
- Which professions do you provide tax planning & reviews for?
- It depends on your circumstances. Our team reviews your income, structure and records and confirms the right approach for doctors and healthcare professionals in writing as part of your fixed-fee service.
- Do you offer fixed fees?
- It depends on your circumstances. Our team reviews your income, structure and records and confirms the right approach for doctors and healthcare professionals in writing as part of your fixed-fee service.
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
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: HMRC (GOV.UK) guidance for this service; Companies House where relevant.