6 April
planning starts at the beginning of the year.
Milton Keynes Chartered Accountants for sole traders.
Sole trader accounting that cuts tax, not corners.
Going it alone doesn’t mean going without support. We keep you compliant, cut your tax bill legally, and give you straight answers when you need them.
4.9 Google ratingFixed feesTax optimisedACCA regulated
Your tax and accounts
Sorted — so you can trade
Tax, records, deadlines — all handled
Self Assessment
On time
No penalties
Expenses
Maximised
Claiming all you can
VAT
Advised
Register only when it pays
Next Step
Tax review
Booked
MTD
ready before HMRC makes it your problem.
Cash basis
or accruals, whichever taxes you less.
Go Ltd?
we'll tell you when it starts paying.
You're personally liable.
No limited company shield. Your business debts are your debts, so getting the numbers right isn't optional.
Your finances stay private.
Nothing published at Companies House. Your competitors can't see your accounts.
Ltd isn't always better, but sometimes it is.
Once profits rise, incorporating can cut your tax bill. We'll tell you when you cross that line, not two years after.
VAT can work in your favour.
Supplying VAT-registered businesses? Voluntary registration can put money back in your pocket. Most sole traders never check.
Who we help
Sole tradersthat we help.
Working for yourself? You're in the right place.
We help sole traders of every trade.
What nobody tells you
The sole trader realitiesnobody warns you about.
Running a one-person business means being everything at once — the work, the admin, the money, the decisions. Most people never see the load you carry. We do.
You are the whole business.
Quoting, invoicing, chasing payments, doing the work. It all lands on you, even when you're flat out.
Business and personal money blur together.
When it's all one pot, clean records stop being a nice-to-have and start being the difference between a fair tax bill and a stupid one.
Every big call is yours alone.
No partner, no finance director. You need numbers you can trust to decide with confidence.
Your income won't sit still.
Busy months surge, quiet months bite. That makes tax planning and cashflow harder, not easier.
You're competing with bigger outfits.
Clients expect fast replies and slick organisation while you juggle every job behind the scenes yourself.
Growth needs numbers you trust,
Raising prices, hiring, VAT, going Ltd. Every move needs financial clarity you can act on, , not guesswork.
Problems?
You shouldn't still beputting upwith these.
If any of these sound familiar, it may be time for a better accountancy setup.
0Tap the cards below as they apply
Old way v New way
It used to be one way.Now it's another.
The same six things — lived in two completely different worlds.
The old accountant model
Paperwork once a year, a nasty surprise at the bottom, and advice that comes too late.
- Once-a-year paperwork
- Tax bills you find out about too late
- Hourly fees and "it depends"
- Waiting too long for a straight answer
- Decisions made on out-of-date numbers
- Numbers, but never advice on how to grow
The modern small business accountant
Regular numbers, tax planned in advance, one fixed monthly fee, and clear advice when you need it.
- Regular, proactive contact
- Tax planned before it's due
- One fixed monthly fee
- Plain-English replies, fast
- Live numbers behind every decision
- Real advice to help you grow
What you get
Everything a small business owner needs — under one roof.
Compliance handled, advice on tap, one firm that knows your whole position.
Essentials
Accounts, tax returns, bookkeeping, VAT and payroll, — the core work done properly, on time, every time.
Tax Protection & Planning
Proactive planning to minimise tax, tax enquiry fee protection available and dealing with HMRC so you don't have to.
Growth & Strategy
Regular numbers and practical advice on profit, pricing, margins, cashflow and the decisions that actually move the needle.
Perks & Bonuses
Extras to make life easier — such as free company formation, free mortgage references, independent legal advice lines & even free movie tickets (Conditions in FAQs)
Personal & Family Wealth
Inheritance tax and estate planning, plus a referral to a regulated IFA for anything investment-related.
Client Care
A dedicated accountant you can actually reach — clear replies, no minimum contract, deadline reminders, and someone who knows your business.
easyCHANGE service
Switching accountant iseasierthan you think.
Worried about the hassle? Don't be. You don't have to lift a finger or have an awkward conversation with your old accountant.
- 3simple steps
- 1short form from you
- £0switch fee
- You say yes One short form and a quick chat to get going.
- We handle the handover We handle the professional clearance process and request the information we need from your existing accountant.
- We get you set up Software, deadlines and your first numbers, usually within weeks.
Reassurance
No gap in your filings. No lost records. No awkward conversations — we do that bit.
Free review of your previous accountants’ work
We’ll dig into last year’s accounts and tax. If we spot major issues, overclaimed or underclaimed items or potential savings, we’ll explain them clearly — and help put things right.
Pricing calculator
Fixed-fee packages that grow with you.
Get an instant tailored estimate in under 60 seconds.
Your business
To give an idea of the level of tax advice required.
If unsure please select AVERAGE.
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for simple businesses to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for ambitious businesses that want advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for growing businesses that want regular support.
£0/mo
Everything in GROWTH plus…
Core
Best for CIS subbies to stay compliant.
£0/mo
Accounts & Tax
Most popular Growth
Best for CIS subbies that want more advice and priority.
£0/mo
Everything in CORE plus…
Advisory
Best for CIS subbies that want extra peace of mind and to grow.
£0/mo
Everything in GROWTH plus…
Additional services
Add to any plan above
Bookkeeping
£0/mo
For example, if you have 5 invoices paid with 1 payment, that is 6 transactions. An estimation is fine as this will naturally vary each month.
You can reduce your annual accounts fees substantially when you use our bookkeeping service.
VAT Returns
£0/mo
MTD (Qtrly Returns)
£0/mo
Management Accounts
£0/mo
Payroll
£0/mo
Additional services total£0£0/mo
All prices are exclusive of VAT.
Disclaimer: Your result is an estimate based on the information provided. Final fees may vary with your records, deadlines or support needs.
Like what you see? Get a tailored quote.
We’ll review your set-up to confirm your fixed fee — usually within 24 hours. No obligation.
Why you can trust us
Properly regulated.Properly guaranteed.
Here's exactly why it's important and in writing.
ACCA Certified
Independently regulated since 1995.
In the UK anyone can call themselves an "accountant". We're Certified Accountants — independently regulated, professionally insured, and held to the highest ethical standards.
Milton Keynes Certified Accountants Indemnity Cover £10M
If they're not regulated, you get…
- No guaranteed training
- No guaranteed regulation
- No guaranteed insurance
- No built-in consequences
We're different. We're Certified Accountants.
Why does that matter to you?
When it comes to your tax, your business, and your financial future, the person you choose is the difference between peace of mind and potential disaster.
01
Recognised by mortgage lenders
Many lenders require references from qualified accountants. Our credentials tick that box without question.
02
HMRC dealings are easier
When your accountant is properly qualified, regulated and supervised, HMRC takes the file seriously from the start — exactly what ACCA membership guarantees.
03
Independent quality checks
We're subject to ACCA practice reviews and ongoing regulatory oversight — not just our own word for it.
04
Right of complaint
If you ever have an issue (rare, but possible), you have access to an independent complaints process through the ACCA.
05
Independent AML regulation
The ACCA, not HMRC, oversees our anti-money-laundering compliance — supervised by an independent professional body.
Verify our membership in the official ACCA Directory of Certified Accountants
Why gamble your business on someone who isn't regulated?
The Tax & Beans Guarantee
What we'll put in writing.
We don't make vague promises about "great service". We put ours in writing— every clause, in plain English.
30 days free We fix it, full stop Full refund Clean break Parting gift
01
30 days free
For recurring work, your first month costs nothing. No invoice. No obligation. No awkward conversations if it's not for you.
Just a proper feel for what it's like to have a real accounting team behind you.
02
We fix it. Full stop.
If something isn't right, tell us. We'll correct it. Quickly, professionally, and without complaint— until you're satisfied.
03
Full refund if we fall short
If we've had the chance to put something right and you still don't believe we've delivered, we'll refund the fees for that work.
No argument. No delay. No small-print wriggle.
04
Clean break
If you ever decide to move on, we'll release your records promptly and cooperate fully with your new accountant.
No missing files. No passive obstruction. No drama.
05
A parting gift
We'll also send you two cinema tickets on the way out.
Because how a firm behaves at the end tells you everything about its character.
The only condition
Let us know within 30 days of the work being completed if something's wrong. That's it. No hoops. No buried clauses.
Reviews you can trust
Real clients. Real results.
Featured review
Switched over on a recommendation. Best move in years. Sharp, proactive and relentless about saving tax.
More reviews
As a busy plumber, I needed accountants who truly understand tradespeople, and these guys deliver. They’ve sorted out years of messy books, helped me stay on top of my VAT, and how to lower my tax bills. Straight-talking, reliable, and worth every penny.
Switched over on a recommendation. Best move in years. Sharp, proactive and relentless about saving tax.
Have saved us over £12,000 in tax this year. We’ve worked with several accountants in Milton Keynes in the past, but none come close to the professionalism and efficiency of this firm. They stay ahead of deadlines, communicate clearly, and we finally have peace of mind.
Since partnering with these accountants, we’ve seen a dramatic improvement in our cash flow and overall financial health, with profits up 22%. They offer personalized guidance and have a knack for spotting opportunities for savings. Highly recommend!
This accounting firm has been a game-changer for our business. They not only handle our taxes with precision but also offer invaluable financial advice that has helped us grow. Their proactive approach and quick responses make them a pleasure to work with.
BeanGrower
The 3-line cashflow check
Take the next step
Ready whenyou are.
Pick the way that suits you — there's no wrong door.
Chat first
Book a free 20 minute call. No pitch. Just tell us where you're at and we'll point you in the right direction.
Book free 30 min callGet your price
Visit our pricing section to get a fixed fee quote.
PricingJust call
We always answer in person (business hours).
01908 123456