Choose Your Self Assessment Solution — Fixed Fee
Select the service that matches your income level. Important: MTD only applies to self-employed and property income, not PAYE salary.
Standard Self Assessment
Perfect for employees with straightforward income. Includes complete filing, expense claims, and personal allowance optimization.
Fixed fee
Choose Standard →Complex High Earner Return
For those with multiple income sources, RSUs, stock options, or complex investment income. Includes full tax planning advice.
Fixed fee
Choose Complex Return →📌 Important clarification for employees: The Making Tax Digital (MTD) rules requiring quarterly returns only apply to self-employment and property rental income. If you are a PAYE employee earning £80,000 or £200,000, you do NOT need MTD — you simply file one annual Self Assessment return. Our MTD service is only relevant if you also have self-employment or rental income over £50,000.
For full details on MTD, visit our dedicated MTD guide →
Critical Income Thresholds for UK Employees (2025/26)
£12,570
Personal Allowance
Tax-free income
£50,270
Higher Rate
40% tax begins
£100,000
60% Tax Trap Begins
Personal allowance withdrawal starts
£125,140
Allowance Gone
45% additional rate begins
🎯 The 60% Tax Trap: How We Help You Beat It
When your income exceeds £100,000, your tax-free personal allowance (£12,570) is reduced by £1 for every £2 you earn above £100,000. This creates an effective marginal tax rate of 60% on income between £100,000 and £125,140.
💡 How we reduce your effective tax rate:
- Pension contributions — Every £1 contributed reduces your taxable income, restoring your personal allowance
- Charitable donations via Gift Aid — Extends your basic rate band and reduces adjusted net income
- Salary sacrifice schemes — Electric car schemes, cycle-to-work, and childcare vouchers
- Timing of bonuses and dividends — Strategic deferral to avoid crossing thresholds
- Marriage allowance and other reliefs — Transfer unused allowances where applicable
High Earners Who Need Self Assessment
You likely need to file a Self Assessment return for 2025/26 if any of these apply:
Salary Over £100k
Personal allowance reduction requires complex calculations
Company Directors
Dividend income requires Self Assessment regardless of amount
Bonus & Commission
Variable income often requires PAYE adjustments
RSUs & Stock Options
Complex tax treatment on vesting and exercise
Property Income
Rental income alongside employment
International Elements
Foreign income or dual residency
Serving High Earners Across the United Kingdom
Our specialist team supports employees, executives, and professionals in every region of the UK:
🇬🇧 London & South East
London (City)Canary WharfMayfairKingstonCroydonBrightonGuildfordReadingSloughMaidstoneSouthamptonPortsmouth
🏭 North West
ManchesterLiverpoolSalford QuaysChesterWarringtonPrestonBlackpoolBoltonStockport
🌹 Yorkshire & Humber
LeedsSheffieldBradfordYorkHullHarrogateDoncasterWakefield
⚙️ West Midlands
BirminghamCoventryWolverhamptonSolihullWalsallDudleyStoke-on-Trent
🌾 East of England
CambridgeNorwichIpswichColchesterLutonPeterboroughChelmsford
🏖️ South West
BristolPlymouthExeterBathSwindonCheltenhamGloucesterBournemouth
🏴 Scotland
EdinburghGlasgowAberdeenDundeeInvernessStirlingPerth
🏴 Wales
CardiffSwanseaNewportWrexhamBangorSt Davids
🏰 East Midlands
NottinghamLeicesterDerbyNorthamptonLincolnMansfield
⛰️ North East
NewcastleSunderlandDurhamMiddlesbroughDarlingtonGateshead
🇮🇪 Northern Ireland
BelfastDerry/LondonderryLisburnNewryBangor
📊 Real Example: How We Saved a Director £18,750 (2024/25 return filed April 2026)
Client: David, IT Director in Manchester | Income: £95,000 salary + £35,000 dividends
Situation: Nearing £100k threshold with personal allowance trap
Our Strategy: Optimised pension contributions (£12,500 saving) | Dividend timing adjustment (£3,250) | Professional expense claims (£1,850) | Charitable Gift Aid planning (£1,150)
Result: Total tax saving of £18,750 | ROI: exceptional
Why High Earners Trust Our Team
15+
Years avg experience
£28M+
Tax saved for clients
4.9/5
Client satisfaction
3,200+
High earner clients