Medical.Accountants
Regulated by ICAEW
Regulated by ICAEW
Regulated & AML supervision
Regulated & AML supervision
AAT fellow member
AAT fellow member
Certified advisor
Certified advisor
Certified ProAdvisor
Certified ProAdvisor
100+ yearsCombined team experience
Fully insuredUp to £2m indemnity
4.9 out of 5321 Google reviews

Clinical professionals

Accountants for surgeons and specialist consultants

Tax and accounting for surgeons, anaesthetists, radiologists and NHS consultants with private income. Plan fees, structure and pension tax together.

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
Get my fixed-fee quoteBook a free 15-min tax review
  • ICAEW & ACCA regulated
  • 5,000+ clients served by ACCOTAX
  • Specialist healthcare accountants

Reviewed by Waqas Sagar ACA FCCA FMAAT · Last reviewed: 8 October 2026 · Updated for the 2026/27 tax year

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 workWhat we checkSupport to explore
Employed or umbrella (PAYE)Tax codes, eligible employment expenses and whether a tax return is needed.Healthcare tax refund support
Genuinely self-employedBusiness income and expenses, Self Assessment and MTD eligibility.Healthcare Self Assessment service
Your own limited companyCompany accounts, Corporation Tax, director income and off-payroll status where relevant.Healthcare limited company accounts
PartnershipPractice accounts, allocated profit and each partner’s personal tax position.Healthcare partnership accounts

Sound familiar?

Problems we fix for consultants and specialists

  • "The tapered annual allowance and Scheme Pays confuse me."
  • "Should my private practice be sole trader, limited or an LLP?"
  • "I'm losing my personal allowance above £100,000."
  • "I'm unsure whether my medicolegal work needs VAT."
  • "Insurer and hospital billing never reconciles."
  • "I don't know the most efficient way to take profit out."

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

Pension modelling

Annual allowance and taper calculations before the year ends, not after.

Private practice set-up

The right structure for your private income, explained in plain English.

VAT review

We separate exempt medical care from standard-rated medicolegal work.

Income planning

Salary, dividends and pension contributions planned together.

How we help

01

Private-fee reconciliation

Bring hospital remittances, insurer payments, direct patient fees and secretarial deductions into clear records.

02

Personal tax

Review NHS employment and private income, including tax already paid at source.

03

Company comparisons

Compare sole-trader and company costs, profit retention and extraction rather than relying on headline tax rates.

04

Pension allowance

Review annual allowance and taper using your pension input and full income position.

What to know before you decide

Private fees need more than a bank total

Hospital and insurer payments can arrive after the work, with deductions, refunds or disputed balances. Reconcile the billing records to cash and identify unpaid fees. Keep secretarial costs, indemnity, professional subscriptions and equipment evidence organised, while checking whether each item is allowable. Reliable records also make it easier to assess a move into a company.

VAT Registration & Returns for Doctors & Healthcare Professionals

A company does not erase pension or status issues

The comparison should include corporation tax, salary or dividends, employer pension contributions, administrative costs and how much cash you need personally. Off-payroll rules may apply to some contracts and NHS pension eligibility must be considered separately. Decisions about retirement, pension transfers or investments may require regulated financial advice beyond accounting and tax calculations.

NHS Pension Tax & Annual Allowance for Doctors & Healthcare Professionals

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.

Help with this question: Tax Planning & Reviews for Doctors & Healthcare Professionals

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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.

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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.uk

Help with this question: Tax Planning & Reviews for Doctors & Healthcare Professionals

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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 surgeons

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 surgeons 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

Limited company accountants for surgeons 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 surgeons

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 surgeons

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

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

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 quote

How it works

  1. 01

    Free call

    A 15-minute chat about your income, structure and deadlines.

  2. 02

    Onboarding in 48 hours

    We set up your records, software and HMRC agent access.

  3. 03

    We handle the rest

    HMRC, NHS Pensions and every deadline, with reminders before each one.

Free resource

Get the private practice starter guide free

Tell us where to send it and we'll email it to you.

Your questions, answered

Can you help anaesthetists and radiologists?
Yes. The accounting scope follows your NHS role, private arrangements and business structure.
Should every consultant incorporate?
No. Model your actual income and costs and review contract status, cash needs and pension implications first.
Can you review an unexpected pension charge?
Yes. We check statements, the applicable allowance, carry-forward and Scheme Pays conditions as part of an agreed scope.

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 review

Related healthcare expertise

NHS Pension Tax & Annual Allowance for Doctors & Healthcare ProfessionalsVAT Registration & Returns for Doctors & Healthcare ProfessionalsTax Planning & Reviews for Doctors & Healthcare ProfessionalsNHS pension annual allowance accountantsAccountants for private clinics and independent hospitalsAccountants for doctors and GPs in the UK
Accountants for healthcare professionalsHealthcare tax questions answered

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 guidance

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