The government has announced important changes to the rules governing Individual Savings Accounts, including new restrictions affecting Stocks and Shares ISAs. From 6 April 2027, interest earned on uninvested cash held inside a Stocks and Shares ISA will face a flat 22% charge. New restrictions will also affect transfers from Stocks and Shares ISAs into […]

For many small businesses in the UK, managing cash flow is one of the biggest financial challenges. This is where the VAT Cash Accounting Scheme can help. Instead of paying VAT when you issue invoices, the scheme allows you to pay VAT only when your customers actually pay you. Understanding the VAT cash accounting threshold

Use our self-employed tax calculator to estimate how much Income Tax and National Insurance you may need to pay as a sole trader in the UK. Simply enter your annual income and allowable business expenses to get an estimated tax bill and take-home profit. This calculator is designed as a guide for self-employed workers, freelancers,

Understanding how holiday pay is taxed in the UK is important for both employees and employers. Many people assume holiday pay is treated differently from regular wages, but in most cases, that’s not true. At Clayton Stirling & Co, we regularly help businesses and individuals across Gravesend and Kent understand how tax applies to earnings,

If you’re an employer or employee in the UK, you may have come across a P11D form—but what exactly is it, and why does it matter? At Clayton Stirling & Co, we regularly help businesses across Gravesend and Kent understand their tax obligations, including P11D reporting. In this guide, we’ll break everything down in simple