Practical money guides for freelancers
Get paid on time, choose the right tools for your home office, and avoid the costly mistakes other freelancers have already made — so you don't have to.
Latest articles
- Bank Rate Rise? What 5 November Means for UK Freelancers
Bank Rate is 3.75% and the Bank of England decides on 5 November 2026. What a rise to 4% would mean for your mortgage, savings and late-payment interest.
- Your MTD Second Quarterly Update: 7 November Checklist
In MTD since April 2026? Your quarterly update is due 7 November 2026. What it covers, the cumulative trap to avoid, and a filing checklist for UK sole traders.
- Shutdown-Proof Accounting Software for UK Freelancers
Bench, Bokio and Botkeeper shut down in 2024-2026. Here is the five-question test UK freelancers can run before accounting software holds their books hostage.
- 57% of SMEs Want Freelancers: How to Win That Work
57% of UK SMEs hire or are considering fractional freelancers (Startups.co.uk). Here is what small businesses are actually buying, and how to pitch for it.
- Invoice Payment Terms: A UK Freelancer's Guide
How to write invoice payment terms as a UK freelancer: 14 vs 30 days compared, the exact late-payment wording to use, and how the 2026 Bill changes your terms.
- Your Rights When a UK Client Pays Late: Statutory Interest, Fees, and the 2026 Reform
A plain-English guide to UK late payment rights for freelancers: statutory interest at 8% over base rate, £40–£100 compensation, and the 2026 reform.
- MTD £30,000 Deadline: What Freelancers Must Do by April 2027
HMRC's MTD countdown has started for freelancers with turnover over £30,000. Check if you're in, see the quarterly deadlines, and follow this prep checklist.
- Xero vs QuickBooks vs FreshBooks for Freelancers: Which Is Worth It in 2026?
Xero vs QuickBooks vs FreshBooks for freelancers: pricing at low invoice volume, invoicing UX, reminder control, and UK VAT/MTD support compared — with recommendations by freelancer profile.
- Late Payment Interest Calculator: A UK Freelancer's Guide
How to use our statutory late payment interest calculator: three worked examples (£900, £4,200, £12,000), the 11.75% rate explained, and copy-paste email lines.
- Employment Status Reform 2026: What Freelancers Must Know
The government's employment status consultation opened 14 Oct 2026. What the proposals could mean for UK freelancers, and five checks to run on your contracts.
Start here
- Tool roundups — the best gear and software for freelancers, compared honestly.
- Freelance finance — invoices, late payments, reminder wording, and tax basics.
- Cautionary tales — real stories of tools and tactics that went wrong.
Frequently asked questions
What is Freelancer Ledger?
A free resource for UK freelancers: plain-English guides on getting paid on time, choosing home-office gear and software, and free calculators for late-payment interest and invoice deadlines.
Is everything really free?
Yes. The articles, guides and tools are free to use. The site is supported by advertising and affiliate links, which are always clearly disclosed.
Do I need an account to use the calculators?
No. The calculators run entirely in your browser — your numbers are never uploaded or stored anywhere.
Is this legal advice?
No. The guides explain publicly available information from legislation and official sources. For a disputed or high-value debt, speak to a solicitor.
Never chase an invoice manually again
We’re building a one-click payment reminder tool for freelancers — you approve every email before it sends. Join the waitlist and we’ll email you once when it launches.
One email, only at launch. No spam. The waitlist is separate: it does not subscribe you to the newsletter.