MEM Academy
Sign in
Self-employment
Back to hub
MEM Academy emblemKNOWPlain-English playbook

Knowledge hub.

No legal-speak. Field-tested guides, a jargon buster, hidden income routes and the UK HMRC calendar — built for trainers and community coaches going self-employed.

Start with a featured guide →
/ FINDSearch guides, explainers & jargon
/ 02Tax calendar

UK HMRC deadlines

HMRC Deadlines Calendar

Tax year 2026/27 · live countdown to your next filings & payments.

Filter by structure
Your dates

Corporation Tax and Confirmation Statement deadlines recalculate from your selected dates.

9 deadlines shown

  • Confirmation Statement

    Annual filing with Companies House — due within 14 days of your incorporation anniversary (12 May).

    Tue, 12 May 2026

    Due today
  • VAT return (next quarter)

    Quarterly VAT return — due the 7th of the second month after the quarter end.

    Fri, 7 August 2026

    87 days to go
  • Corporation Tax payment

    Due 9 months + 1 day after your company year end (31 March 2026).

    Fri, 1 January 2027

    234 days to go
  • Register for Self Assessment

    Register with HMRC by 5 October 2027 if you became self-employed in tax year 2026/27.

    Tue, 5 October 2027

    511 days to go
  • Paper tax return

    Deadline for filing a paper Self Assessment return for tax year 2026/27.

    Sun, 31 October 2027

    537 days to go
  • Online Self Assessment filing

    Deadline for filing your Self Assessment online for tax year 2026/27.

    Mon, 31 January 2028

    629 days to go
  • Tax payment — balancing payment

    Pay any tax owed for tax year 2026/27.

    Mon, 31 January 2028

    629 days to go
  • Payment on account — 1st

    First payment on account toward next year's tax bill.

    Mon, 31 January 2028

    629 days to go
  • Payment on account — 2nd

    Second payment on account toward next year's tax bill.

    Mon, 31 July 2028

    811 days to go

General guidance only — confirm exact dates with HMRC and Companies House.

/ 03Library

Guides & explainers

Guides & Explainers

Plain-English answers to the questions self-employed PTs ask most.

6 guides

How “Most popular” worksEach guide has a baseline popularity score. Your local 👍 adds +25 and 👎 subtracts 10 — saved only on this device. Featured guides always stay pinned at the top.
  • TaxPinned

    How to complete your Self Assessment (step by step)

    A no-jargon walkthrough of registering, gathering your numbers, and filing your return online with HMRC.

    6 min read
  • Tax

    What is Payment on Account and how does it work?

    Why HMRC asks for advance payments and how to plan for the shock of your first one.

    4 min read
  • Structure

    How to set up a CIC (step by step)

    Setting up a Community Interest Company if your coaching has a clear social purpose.

    6 min read
  • Money

    How to pay yourself as a LTD director (salary + dividends)

    The classic 'low salary, top up with dividends' approach most one-person LTDs use to keep tax efficient.

    6 min read
  • Money

    What expenses can I claim as a self-employed PT?

    The everyday costs personal trainers can deduct — and the common ones that aren't allowable.

    5 min read
  • Structure

    Sole Trader vs Limited Company — when should I switch?

    How to decide between staying a sole trader and incorporating, with the rough income point most PTs benefit from switching.

    7 min read
/ 04Decode it

Jargon buster

Jargon Buster

The tax and business words you'll hear as a self-employed coach, explained in plain English.

/ 05Stack the bag

Hidden income opportunities

Beyond 1:1 sessions

Income streams most PTs don't know exist

Most PTs earn £40/hour from 1:1 sessions. The ones who know about these opportunities earn 3–4x that from the same skills.

Filter opportunities

12 of 12

Structure

Difficulty

Income type

CIC
Intermediate
Community fitness sessions via CIC grants
£5,000 – £50,000 / project

Set up a Community Interest Company so you can apply for funding only available to social enterprises. Run sessions for under-served groups and bill the grant, not the participants.

National Lottery Awards for All
Set up a CIC
CIC
Intermediate
Sport England small grants
Up to £15,000

Apply through Sport England's Movement Fund for community projects that get inactive people moving. CIC or constituted group required — sole traders are not eligible.

Sport England Movement Fund
Set up a CIC
CIC
Advanced
NHS social prescribing delivery
£30 – £75 / referral

Get on your local Primary Care Network's directory of services. Link workers refer patients to you for movement-based interventions and the PCN pays per attendance or block.

NHS social prescribing overview
Find opportunities
LTD
Beginner
School holiday activity programmes
£200 – £400 / day

Local councils commission HAF (Holiday Activities and Food) providers each school holiday. Register as a provider with your council's HAF coordinator and bid for sessions.

DfE HAF programme guidance
Find opportunities
CIC
Advanced
Prison & probation fitness contracts
£8,000 – £40,000 / contract

Approach HMPPS commissioning teams or partner with a Community Rehabilitation Company. Enhanced DBS, safeguarding training and an MoU are required before delivery.

Browse partnership opportunities
Find opportunities
LTD
Intermediate
Corporate wellness packages
£1,500 – £8,000 / month per client

Sell quarterly packages to HR teams covering on-site classes, 1:1 assessments and a wellbeing dashboard. LTD structure makes you look credible on procurement portals.

Build your day rate
Calculate your rate
Sole Trader
Beginner
Online coaching scaling
£2,000 – £15,000 / month

Productise a 12-week programme delivered through an app like TrueCoach or PT Distinction. Recurring monthly fees compound — 40 clients at £100/month = £4,000 with no extra hours.

Calculate your sustainable rate
Calculate your rate
Sole Trader
Intermediate
PT mentoring & supervision
£60 – £150 / hour

Once you have 3+ years experience, mentor newly qualified PTs on business, sales and programming. Charge per session or sell a 6-month programme.

Set your mentoring rate
Calculate your rate
LTD
Advanced
Fitness content monetisation
£500 – £20,000 / month

Build a niche audience on YouTube, TikTok or a paid newsletter. Income comes from ads, brand deals and your own digital products — LTD helps with brand contracts and tax efficiency.

Plan your content rate card
Calculate your rate
LTD
Advanced
Local authority leisure contracts
£20,000 – £150,000 / year

Councils tender out exercise referral, GP referral and falls prevention programmes. Register on Contracts Finder and your local procurement portal, then bid.

Contracts Finder (gov.uk)
Find opportunities
CIC
Advanced
Youth violence reduction programmes
£10,000 – £100,000 / project

Violence Reduction Units commission diversionary activity for at-risk young people. Partner with a youth charity or apply directly through your regional VRU.

Find your local VRU
Find opportunities
CIC
Advanced
Big Issue Invest social enterprise funding
£20,000 – £150,000 loan/blended

Big Issue Invest provides patient capital to social enterprises tackling poverty and inequality. You'll need a CIC, 12+ months trading and a clear social impact model.

Big Issue Invest funds
Set up a CIC
Back to PT hub