For sole tradersReady
Freelance designSA103 self-employment
- Brighton Bakery Ltd+£1,450.00ReviewMoney in
- Adobe Creative Cloud£59.99ReviewSoftware
- Shell Service Station£64.20ReviewCar, van & travel
Due 31 January · 105 days
Make short work of tax.
Done by the second cuppa.
Self Assessment without the hard part. Swiftmore does the work, you press submit. £99 a return.
£99 a returnPaid once per tax year. No subscription.Free to keep recordsThe £99 unlocks the reading and the filing.You press submitWe never file without you.HMRC recognisedRecognised for Self Assessment filing.
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ReviewHad a letter from HMRC about Making Tax Digital?
It tells you to keep digital records and send quarterly updates. Whether it applies to you depends on your income, and the date depends on the year it was measured on.
Why pay £99 when HMRC’s return is free?
Fair question. HMRC’s online return is free, and if your year is simple it does the job. Here’s what the £99 buys you.
| Feature | HMRC online | Swiftmore£99 a return |
|---|---|---|
| How it asks | Form boxes and HMRC terms | Plain questions about your money |
| Getting your numbers in | You add up and type every figure | Upload a statement or snap receipts |
| Which box does it go in? | Up to you | Sorted for you, you check it |
| Records through the year | Keep your own | Kept here, ready for MTD |
From bank statement to filed, in four steps.
Swiftmore does the first three. No bank login, no form boxes.
Upload your records
Bank statements as PDFs, CSVs or spreadsheets, and receipts as photos. Every line is placed where HMRC expects it.
Answer the exceptions
The few lines it cannot place, it asks about in plain English.
Check and file
One summary of what you earned, spent and owe. Press submit.
After you file
HMRC’s reference is stored with the return, with the tax to pay and the date it is due.
Filed 14:02 · HMRC confirmed
Every page your year needs.
- Main returnSA100
- Self-employmentSA103
- UK propertySA105
- EmploymentSA102
- Capital gainsSA108
See a return filed in 48 seconds.
Upload, answer, check, submit. A bank statement goes in and HMRC’s confirmation comes back.
Read the transcript
For landlordsReady
Flat 4, Marlow RoadSA105 UK property
- Letting agent, March+£1,200.00ReviewRent
- Mortgage interest£412.50ReviewFinance costs
- Gas safety certificate£85.00ReviewRepairs & upkeep
Rent in, costs out, property by property.
How it works for landlords →Also covered. The same questions work for couriers and drivers, chefs, hairdressers, trades and CIS subcontractors, creators, online sellers, tutors, consultants, holiday lets, anyone employed with a side income, and the Child Benefit charge.
Pay once per tax year.
Keeping your records here is free for as long as you like. Here is how the £99 compares.
What a 2025/26 return costs
Swiftmore£99 a return
HMRC onlineFree, plus your evenings
A chartered accountantAbout £400 with VAT
Taxfix, accountant onlineFrom £169
The accountant figure is a chartered firm’s fixed fee for a simple return. The Taxfix figure is its list price on 8 October 2026.
Self AssessmentSingle return, 2025/26
£99one-off, per tax year, not a subscription
The same £99 whether you file in May or on 31 January. No surcharges.
Accuracy guarantee. If our calculation is wrong, we refund the £99 and fix the return.
- Your full SA100, plus the SA103 and SA105 pages
- Bank statements and receipts read for you
- Plain-English questions, no form boxes
- Filed straight to HMRC when you press submit
What we promise, and what we refuse to do. Both are built into the product.
- Check us, not our word.
- Prodro Group Limited, company 17268651, on the Companies House register. Companies House
- Shows every deadline, with what it still needsAlways
- Files without you pressing submitNever
- Refunds the £99 if our calculation is wrongAlways
- Recognised by HMRC for Self Assessment filingAlways
- Sells your detailsNever
Quarterly updates for Making Tax Digital come to Swiftmore in 2027. They are written from the same records as this return, so nothing is typed twice.
Check when MTD reaches you → Everything coming in 2027 →Start freeFree to keep records. £99 for a tax year you read and file. No card to start.