Money you are missing
Eight short questions. Then the grants, loans and tax credits your side of the fence, with the official page for each one. Other sites charge to show you this list.
Official pages last read 11 September 2026. Nothing here is a fee paying introduction.
Where are you up to?
How is it set up?
Money coming in each year
People on the payroll
Tick anything true for the next year
Likely for you
2
Based on your answers
Worth a look
5
Near misses, with the blocker named
Likely for you
Start Up Loans
You are starting out or trading under three years, which is exactly who this is for.
- Worth
- Up to £25,000 per owner
- Timing
- Open all year, no closing date
Official page read 11 September 2026
Growth Guarantee Scheme
You are trading, so a lender can use the guarantee to say yes where they would otherwise say no.
- Worth
- Borrowing you would otherwise be refused
- Timing
- Runs while the scheme stays open, check the lender list before applying
Official page read 11 September 2026
Worth a look
Near misses. Each one names the single thing that would change the answer.
Innovate UK grant competitions
You told us there is real technical uncertainty in what you are doing.
The one thing: It needs genuinely new technical work, not a new website or a new market.
UK Innovation Funding ServiceR&D tax relief, merged scheme
A company doing technical development can claim a chunk of that spend back through corporation tax.
The one thing: The relief is for companies. A sole trader cannot claim it.
HMRC, Research and Development tax reliefEmployment Allowance
You pay employer National Insurance, and this wipes out a large slice of it every year.
The one thing: A single director with no other employee normally cannot claim it.
HMRC, Employment AllowanceEven without a business
Working from home allowance
A flat amount off your tax if your employer makes you work from home.
Marriage allowance
Move part of an unused personal allowance to a spouse who pays basic rate tax.
Uniform and tools
Flat rate expenses exist for dozens of trades, backdatable four years.
Pension tax relief above basic rate
Higher rate taxpayers have to ask for the extra relief. It is not automatic.
Three countries now, more as we grow
Today Taxmiser covers the United Kingdom, the United States and Australia in full, with real rates and real forms. We add a new country only once its figures are checked against the official tax office, so nothing here is a guess. Canada, Ireland, New Zealand and more are next in line as we grow.
Every US state taxes you differently
In the United States there are two bills, not one. Federal tax is the same wherever you live. State tax is not. Some states take nothing, some take a flat slice, some have their own bands and their own allowances. That is why we ask which state you are in, and why two people on the same pay can keep very different amounts.
See the state by state figures