Code

Knowledge

An award-winning selection of great tools, business guides, and articles to help you make your business a success.

Father and son at a bakery - small business recommendations | Crunch
News and opinion

‍We asked our amazing self-employed community to tip us off on their friends and families businesses, or simply ones that they thought deserved special recognition.

Read more

Stay in the know with the Crunch newsletter

By submitting, you agree to our Privacy Policy

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Business guides 

From understanding expenses to starting a limited company, we’ve a range of jargon-free business guides for you to download and keep.

Free tools and resources 

Work out your take-home pay, chase unpaid invoices, and so much more. Make running your business a complete breeze!

Online accounting 

Check out our accounting packages for sole traders and limited companies, along with our amazing free bookkeeping software.

Free community for the self-employed 

Join Crunch Chorus - our very own self-employed community - and network with like-minded self-employed people.

Exclusive Crunch discounts now available to Crowdfund investors, image of someone savouring their discount | Crunch
News and opinion

Following a number of chats with our lovely Crunch clients and members, Crunch are delighted to reveal a new discount programme for investors in our ongoing Crowdfunding campaign.

Software and service: The accountant is DEAD, long live the accountant!, image of a golden King chess piece | Crunch
News and opinion

It’s true! Crunch are no longer a simple accountancy firm, because modern small business management requires modern software and support.

Crunch Coins - What, why, how?
News and opinion

What are Crunch Coins, and how do they work? We explain in this simple article.

Crunch launch crowdfunding campaign, image of the Crunch team | Crunch
News and opinion

Crunch are delighted to announce the launch of our first-ever crowdfunding campaign, available now on the investment platform, Seedrs!

Intellectual property – protecting your ideas, image of a trademark stamp | Crunch
Running a business

Whether you are a freelance web designer or the proprietor of a new drinks brand, intellectual property (or IP) is at the core of everything you do.

UK cryptocurrency tax guide, image of bitcoins | Crunch
Tax

Did you know that cryptocurrency in the UK doesn’t have its own tax treatment? Instead, crypto is taxed subject to income tax or capital gains tax - or both in some instances!

Accountancy automation: How Crunch became head of the pack, image of people using their phones | Crunch
News and opinion

Accountancy automation is the way of the future: while our competitors only seem to be realising that now, Crunch have been ahead of the curve since day one.

Follow-up inquiry into off-payroll working (IR35) rules launched, image of a GDPR stamp | Crunch
News and opinion

A new inquiry on the implementation of IR35 rules in the private sector and how these rules are working in practice has been launched.

What does UK GDPR look like after Brexit?, image of personal files in a drawer | Crunch
Running a business

GDPR is a term all businesses, large or small should be aware of. Here's a jargon-free explanation of what you need to know to ensure you meet the rules.

Autumn Budget 2021: Everything you need to know, image of Chancellor Rishi Sunak | Crunch
News and opinion

Changes to the National Living Wage, dividend tax rates, and Universal Credit were all announced in the Autumn Budget 2021.

Big Ben and the Houses of Parliament | Crunch Chorus
News and opinion

‍We’re obsessed with doing what we can to ensure everyone is able to love what they do, and want to make sure that people with an entrepreneurial spark don’t have to jump through all sorts of legislative hoops to become their own boss. 

Keep calm and fix that mortgage rate, image of someone signing a mortgage contract | Crunch
Personal finance

Realistically, an increase to mortgage interest rates is likely to happen, and very soon. But let’s not panic, please, says Rob Starr.

What are commercial mortgage loans, image of someone working from their own food truck | Crunch
Running a business

If you want to grow your business or make use of your cash in a better way, there’s likely a commercial mortgage that will enable you to do so.

Someone finding it difficult to get out of bed due to poor mental health | Crunch
News and opinion

Our friends at Leapers run an annual study into the relationship between mental health and self-employment, and we at Crunch would love for you to be a part of this.

Someone at a computer - MTD for ITSA pushed back to 2024 | Crunch
Tax

The government has delayed MTD for ITSA until 6 April 2024, with MTD for general partnerships postponed to 2025 in the aftermath of COVID-19.

A lorry driver | Blame IR35 | Crunch
News and opinion

A survey has revealed that tax changes have had almost as much effect on driver availability as Brexit, and more than COVID-19.

How the upcoming Making Tax Digital changes affect your business
Running a business

Updates to the government's Making Tax Digital scheme are coming to VAT, Income Tax, and Corporation Tax over the next few years.

The ultimate small business guide to pricing products and services, image of a woman checking the price of something | Crunch
Running a business

Pricing is one of the most important business decisions you’ll have to make; get it wrong, and it will impact every aspect of your business.

How to write product descriptions that actually boost sales, image of someone making an order online | Crunch
Running a business

98% of shoppers have been dissuaded from completing a purchase because of bad product descriptions - so how do we write them properly?

How important are savings if you want to retire early?, image of a retiree on a bench | Crunch
Personal finance

Saving is bit of a boring word, but it's a vital part of the process if you're looking to retire early.

Gemma started Bloominati Florals during the COVID-19 pandemic | Crunch
Running a business

Being candid about money has earned Bloominati Florals respect from peers and customers alike.

How to build a compounding machine, image of a tree growing out of money | Crunch
Personal finance

Building a compounding machine is an incredibly important part of achieving financial independence, but not everybody understands how to get started.

Increase in National Insurance and Dividend Tax from April 2022, image of a nurse tending to an elderly person | Crunch
News and opinion

The UK government have announced an increase to National Insurance and Dividend Tax, which come into effect in 2020.

What is an umbrella company mortgage?, image of a couple receiving their keys | Crunch
Personal finance

If you're working through an umbrella company and looking for your perfect mortgage, we have the answer for you.

Business mileage rates – who can claim and how much does HMRC allow? Image of a driver on a dark night | Crunch
Tax

When you’re self-employed, or director of your own limited company, it can be confusing to know how to claim back business mileage. We've got you covered.

The aggregation of marginal gains, image of a rocket | Crunch
Personal finance

Reaching financial independence is a matter of patience, persistence, and the aggregation of marginal gains.

The three numbers that can help make you a millionaire, image of someone printing money | Crunch
Personal finance

We all know that there’s no such thing as a get rich quick scheme, but that doesn’t mean becoming a millionaire isn’t within your grasp.

A young person using an online learning course and taking notes
Running a business

Make your transition to a freelance role as seamless as possible with Crunch Chorus’ Guide to Freelancing!

The Rock vs John Cena - Business Lessons from Dwayne Johnson | Crunch
Running a business

Wrestling champion. Box Office sensation. President? How your business can harness the magnetism of Dwayne Johnson.

Unlocking mortgage lending after lockdown, image of a happy new homeowner | Crunch
News and opinion

A number of lenders are now looking to actively support self-employed mortgage applicants by making it easier and quicker for them to get a mortgage

What awards have Crunch won?, image of Darren Fell accepting an award | Crunch
News and opinion

Crunch have won awards ever since our inception in 2009 - here's a complete rundown of every award we've won.

QuickBooks vs. Xero vs. Crunch: which is better?, image of someone toppling a king in chess | Crunch
News and opinion

Crunch has been competing with Quickbooks and Xero for over a decade. They may be bigger, but we're certain we're better!

Cryptocurrency, cryptoassets, tax and HMRC investigations, image of Bitcoin | Crunch
Tax

Cryptocurrency is becoming more and more popular, but what's HMRC position on it, and can self-employed people do business with it?

Speak to Crunch Mortgages and get a YES first time!, image of a couple with their house keys | Crunch
News and opinion

Getting a self-employed mortgage isn't hard, especially when you ask the right people for help - like Crunch Mortgages!

How to claim the fifth Self-Employment Income Support Scheme (SEISS) grant, image of someone wiping a table | Crunch
Personal finance

HMRC will allow you to apply for the fifth and final COVID-19 Self-Employed Income Support Scheme grant (SEISS) in July 2021.

Some members of the Crunch team | Crunch
News and opinion

Crunch nominated for gongs including Accounting Tech of the Year and Best Customer Service at the UK FinTech Awards / Brighton & Hove Business Awards.

People at a Crunch meetup
News and opinion

Starting or running a business, and need tips? Want to network with fellow self-employed workers? Find out what events are coming up.

Self-Employment Income Support Scheme - guide for the self-employed | Crunch
Get paid

We've put together this guide to help you make a claim on the government's Self-Employment Income Support Scheme aimed at sole traders and partnerships.

Toblerone
Running a business

Here are six important lessons from Alan Partridge for small businesses - some funny, some tragic. Oooh, it's a good list...

Coronavirus Job Retention Scheme - Guide For Employers, image of a closed sign | Crunch
Get paid

There have been a number of important changes to the Coronavirus Job Retention Scheme (CJSR Furlough). Our guide explains what's changing and how to claim.

Capital Allowances, Annual Investment Allowance, and the Super-Deduction
Tax

Businesses can buy items of “plant and machinery” and offset some of that expenditure against their profits. Ltd companies can also claim a super-deduction.

The Crunch Personal Tax Estimator, image of a pencil and calculator | Crunch
Tax

Crunch's Personal Tax Estimator will help you work out the tax you may have to pay on your personal income, including sole trade income, salary & dividends.

Who determines your IR35 status and who pays employment taxes, image of a women writing at a desk | Crunch
Tax

Following changes introduced by HMRC in 2021, responsibility for determining your IR35 status is mostly, the same for both the private & public sectors.

Personal and business tax changes for new tax year, image of paper money | Crunch
Tax

A round up of the tax changes that may affect small businesses and business owners for the new tax year that starts on 6th April 2021.

Getting your contracting business ready for IR35 in the private sector, image of British currency | Crunch
Tax

The government introduced major changes to IR35 in April 2021. What do contractors and businesses need to do to ensure they're meeting the new rules?

What is the COVID-19 Recovery Loan Scheme and who can claim?
Running a business

The COVID-19 Recovery Loan Scheme (RLS) officially launched on 6th April 2021, to support businesses as they recover from the disruption caused by COVID-19.

IR35 and hiring a freelancer, contractor, or worker
Tax

Hiring a third party could open you up to tax and legal pitfalls surrounding their employment status – are they a subcontractor or an employee? We explain.

VAT registration and reporting explained, image of a man working out tax on a calculator | Crunch
Tax

Although the ins & outs may be tricky to grasp for first-timers, the sooner you get your head around the HMRC VAT system the sooner you can benefit from it.

What business expenses can I claim as a Limited Company?, image of a stationery kit | Crunch
Expenses

There are often limited company business expenses that go unclaimed, which means you could end up paying more tax than you need to.

What business expenses can I claim as a Sole Trader?, image of a stack of papers | Crunch
Expenses

As a sole trader, your business will naturally incur running costs. The good news is that many of these running costs can be claimed as business expenses,

New tax year new you - Crunch - image of fireworks
Tax

Want to make this tax year the most profitable yet? Our top financial resolutions and guidance will set you on the course to success.

A florist turning their hobby into a career
Becoming self-employed

"If there's always biscuits in the tin, where’s the fun in biscuits?" Find out if the decision to turn your hobby into a career is the right one for you.

What do recruiters need to know about IR35? - Image of two recruiters with a contract
Tax

IR35 changes were introduced on 6th April 2021 will have a significant impact on recruiters, both at employment agencies or in-house. Get your free guide.

Get ready for end of tax year (5th April 2021) & new tax year, image of a calculator | Crunch
Tax

We’re fast approaching the end of the tax year on 5th April 2019. Let's take a look at what you’ll need to know.

Woman hiring a room
Tax

If you’re planning to rent out a room in your home, you’ll need to know how the tax system works, and how it affects you. Here's a jargon-free lowdown.

File you Self Assessment early - Crunch - image of hands and a calculator
Tax

Filing early will mean you avoid the mid-January dread felt by many freelancers & contractors, and enjoy a well-earned worry-free rest over the holidays.

The £4,000 Employment Allowance For Employers Explained. (Image of man using a calculator).
Employment law

Can your business claim the £4,000 Employment Allowance towards your NI Bill? Get all the details on eligibility, how much you can claim, and how to claim.

 Claim tax relief on your mobile phone or landline expenses | Crunch
Expenses

To claim tax relief on your mobile phone or landline expenses, a contract needs to be set up between your limited company and the service provider.

Am I a UK Tax Resident - Crunch - image of a man on a plane
Tax

Getting your UK tax status wrong could mean that your worldwide income is subject to UK tax. Find out how to get it right with this jargon-free article.

Tax

Corporation Tax is the tax levied on the profits of limited companies. But what are the benefits of paying this tax early?

Tax rates, thresholds, and allowances, image of a pound coin | Crunch
Tax

There are many different tax rates in the UK affecting both individuals and businesses - we've pulled them all together so you can keep on top of them.

Changing from sole trader to limited company, image of people sticking notes on a cork board | Crunch
Limited company

Changing from a sole trader to a limited company? Here’s a simple explanation of when to make the transition and what you’ll need to keep in mind, without all the jargon.

Scottish Income Tax Rates, image of Scottish money | Crunch
Tax

We explain the tax rates that apply for the 2020/21 tax year, affecting income taxpayers resident in Scotland and how to see if you're affected.

Dividends - What Are They and What Taxes Do I Pay on Them? Image of someone working on a tablet | Crunch
Tax

Dividends are payments made to company shareholders from company profits after corporation tax. If you run a ltd company they can be really tax-efficient.

Woman typing at laptop
Tax

Disaggregation is when business owners try to avoid charging VAT by splitting a business to ensure each operates under the VAT registration threshold.

How much should I take as a salary? British pound coins | Crunch
Tax

What's the most tax-efficient salary to take as a company director? Here are the benefits of taking a high or a low salary, without the jargon.

How to claim business expenses you paid for personally (image of a man using an ipad).
Tax

If you pay for something for your business with your own money don't forget to claim it back as a business expense, we show you how.

Freelancing on the side, image of a woman doing taxes | Crunch
Tax

Here's how to make sure you're paying the right amount of tax when deciding to freelance on the side, and how to stay in HMRC's good books!|Here's how to make sure you're paying the right amount of tax when deciding to freelance on the side, and how to stay in HMRC's good books!

Chrunch's guide to the March 2021 Budget for small business owners and the self-employed
Tax

Here is Crunch's small business friendly highlights from the the Chancellors March 2021 Budget  affecting small business owners and the self-employed.

A row of colourful houses in London
Tax

In 2017, the government introduced two new annual tax allowances: one for trading income (sole trade), and one for income from a property business.

What help is available for small businesses, gig workers, and the self-employed affected by coronavirus (COVID-19)?, image of a globe with a mask | Crunch
Running a business

The government has announced financial measures to support businesses through the Covid-19 emergency. There's support for certain employees, businesses and self-employed.

People working in a modern office
Tax

What is National Insurance and do the self-employed have to pay it? This article explains it all as simply as possible.

Can I make pension contributions through my limited company?
Expenses

Pension contributions are one of the few remaining tax breaks available to limited companies. It makes sense to take advantage of this tax break.

What are the tax implications of paying into a personal pension? (Image of bricklayer building a wall)
Personal finance

Whatever your business situation, there are significant tax reliefs for pension contributions available. So you can pay less tax and save for your future!

What are the main advantages of a limited company - Crunch - image of a man drinking coffee at a laptop
Limited company

Many take the sole trader route when starting a business, but there are huge benefits and advantage associated with setting up a limited company.

What is Child Benefit - Crunch. Image of a happy child with a skateboard.
Tax

Child Benefit is a benefit payable to someone responsible for a child under the age of 16, or 20 if they’re in full-time education. Here's the low-down.

IR35: Why contractors should have business insurance, image of someone signing insurance terms
Tax

Although changes to IR35 have been delayed until April 2021, contractors working through a personal service company still need to have business insurance.

Woman reading letter while she drinks coffee
Tax

Failure to file a Confirmation Statement is a criminal offence, which can result in directors being fined personally in criminal courts. Here's what to do.

Sleeping on the job: Is there any clarity about pay? Image of a sleeping dog | Crunch
Employment law

To examine the latest position on whether you should be paid for sleeping at work, we'll look at the most important, and recent, tribunal cases.

Taxation of company cars and vans - how much will you pay?, image of company car park | Crunch
Tax

Our jargon-free article explains the tax consequences surrounding company cars / vehicles for employers and employees that you need to know about.

Opening a business bank account, image of woman on phone and laptop | Crunch
Running a business

It’s essential to make sure that you keep your personal and business banking separate, so you’ll usually need a dedicated business bank account.

Crunch Free - Simple Online Bookkeeping
Tax

Freelancer, contractor, or small business owner looking to reduce outgoings and increase productivity? There’s a new solution - Crunch Free!

Managing your accounts and tax as a self-employed dentist, hygienist, or dental therapist - Crunch - image of a dentist
Tax

We’ve put together this comprehensive, jargon-free guide to help you understand how best to set up as self-employed, and how to act tax-efficiently.

Uber Car
News and opinion

In 2021, the Supreme Court ruled that Uber drivers were workers, not self-employed. But what does this ruling mean, and how did we get here?

Self Assessment: What happens if I miss the deadline?, image of coins on a table | Crunch
Tax

If you don’t file your Self Assessment and pay any tax due by 31st January deadline you’ll face fines – and potential extra penalties. Here's all the info.

What is a director’s loan account, and what are the tax implications? | A freelancer hard at work | Crunch
Tax

This article will cover exactly what a director’s loan is, the HMRC rules, and your tax obligations. So you'll avoid any problems or unexpected tax bills.

How to reduce your Corporation Tax
Tax

Lowering your Corporation Tax just takes diligence, a bit of knowledge of the tax system, and a few minutes every month making sure everything is recorded.

Man using a phone and laptop | Crunch
Becoming self-employed

Finding work as a freelancer can be tricky. But there's good work on offer if you know where to look - here are a few of our favourite freelance job sites.

Should I have a company car, van or motorcycle?, image of open van | Crunch
Expenses

Businesses can benefit from a company car, van or motorcycle. Having a mode of company transport can be invaluable for small businesses.

National Living wage and National Minimum Wage - Crunch - image of british coins
Running a business

The Conservatives' 'National Living Wage' is not the same as the one proposed by the Living Wage Foundation. We look at the differences.

What is a P11d - Crunch. Image of a woman on a laptop
Tax

Confused by P11D forms? Unsure whether you need to file one? Want to avoid the common mistakes? Read our articles and you'll be an expert in no time.

What is Self Assessment? How to complete your Self Assessment, image of someone typing their Self Assessment | Crunch
Tax

New to contracting or freelancing? Struggling with filing your first Self Assessment? Our quick guide goes over the basics of what you should do.

Running your UK limited company or sole trader business when you’re not resident in the UK
Running a business

If you live outside of the UK but run a UK-based limited company, there are certain rules you’ll need to be aware of to effectively run your business.

Tax-Free Childcare for the self-employed, image of kids at school | Crunch
Tax

What is the Tax-Free Childcare scheme? How does it work, and how do you apply for it? Read on for everything you need to know about the new scheme.

Do I have to complete a Self Assessment tax return?, image of a woman reviewing notes with a dog | Crunch
Tax

A Self Assessment tax return is one of the most significant tax documents you’ll be dealing with when you’re self-employed. Here's what you need to know.

How long does trademarking a company last? (Image of designers working).
Running a business

How long does trademarking a company last? How much does it cost? What's the difference between trademarking a company & registering one? All this and more.

Business guides

View all guides