u/Commercial-Pepper-31

Built a free UK tax calculator that actually handles the stuff most generic tools miss for landlords and Airbnb hosts:

- £1,000 property allowance applied correctly (separate from the £1,000 trading allowance)

- £7,500 Rent a Room scheme if it's your main home (so a spare-room let earning under £7,500 a year is fully tax-free with no Self Assessment required)

- Income tax bands properly stacked with PAYE income

- The fact that property income does NOT attract Class 4 NI (often overlooked - landlords with a day job often think they owe NI on rental profit, they don't)

- The 20% mortgage interest credit (full deduction has been gone since the 2020 phase-out)

Particularly relevant given the Furnished Holiday Letting (FHL) regime was abolished from 6 April 2025 - holiday lets are now taxed largely the same as long-term residential lets. A lot of Airbnb hosts haven't fully adjusted to that change.

Link: https://sidetax.co.uk/pages/airbnb-host-tax-uk.html

Free, no signup, runs in your browser. Built it for self-managing hosts with 1-3 properties who find tools like Arthur or PriceLabs overkill, and find the HMRC pages incomprehensible.

Open to feedback. If I've got the post-FHL rules wrong anywhere or the property allowance logic doesn't match how you read it, please tell me.

reddit.com
u/Commercial-Pepper-31 — 18 days ago

Heads up if you sell on Vinted: since January 2024, Vinted is legally required to report your seller data to HMRC if you cross 30 sales OR earn more than £1,735 in a calendar year. The first batch of HMRC "nudge letters" has been landing in late 2024.

Important thing nobody tells you in the panic articles: most casual sellers DO NOT actually owe tax. Selling your own old clothes (or anything you owned) for less than you paid is not taxable income, even if you sell £2,000 worth across the year. HMRC only cares if you're TRADING - i.e. buying or making things to resell.

The line between casual seller and trader matters a lot. I built a free calculator + plain-English guide that walks you through the distinction and tells you exactly what you owe, if anything: https://sidetax.co.uk/pages/vinted-tax-uk.html

No signup, no email, no card, no upsell wall on the calculator. Runs entirely in your browser. Built it because the existing advice online is either fear-mongering ("YOU'LL BE FINED") or tax-firm pages trying to flog you a £169 Self Assessment service.

If you've had a nudge letter or just want to know where you stand, give it a go. Happy to answer questions on UK side hustle tax in the comments, just remember I'm not an accountant and this isn't regulated advice lmfao

reddit.com
u/Commercial-Pepper-31 — 18 days ago