Specialist Tax Accountants for Doctors, Dentists & Medical Professionals
Doctors are among the most heavily taxed professionals in the UK and among the least well advised. Between the 60 per cent effective band where the personal allowance is withdrawn, the High Income Child Benefit Charge, Annual Allowance charges on a pension you cannot control and private income taxed at the top rate, there is more planning available than most clinicians realise. A tax accountant for doctors who does this every day will usually save you more than the fee in the first year.
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We provide tax planning and compliance for doctors at every stage and in every setting, because the planning that works for a salaried GP is not the planning a consultant with private practice needs.
Self assessment, professional expense claims, coding corrections across multiple employments and planning around the personal allowance withdrawal band.
Sole trader accounts, allowable expense reviews, payments on account planning and an evidence-based comparison of trading through a limited company.
Partnership profit share planning, capital allowances on premises and equipment, superannuation certificates and tax reserve management for every partner.
Structuring private and medico-legal income, incorporation reviews, profit extraction, tapering control and family tax planning where it is genuinely available.
Compliance is the minimum. The value is in the planning that happens before the tax year ends, which is why our doctor clients get a review every year rather than an invoice every January.
Prepared, reviewed by a qualified accountant and filed early, with every source of income reconciled and your liability confirmed months before the payment date.
A pre-year-end review covering pension contributions, timing of income, capital allowances, gift aid, and the reliefs that reduce adjusted net income where it matters most.
Pension input amounts, carry forward, tapering and Scheme Pays, integrated with your income tax position rather than treated as a separate problem.
Whether a limited company, partnership or sole trade produces the best net outcome for your private work, including the pension and administrative consequences.
Representation during HMRC compliance checks, voluntary disclosures for undeclared income, and negotiation of penalties and time to pay arrangements.
Medical careers create tax traps that other professions never encounter. These are the ones we see most often and fix:
The 60 per cent effective rate as the personal allowance is lost
High Income Child Benefit Charge collected through self assessment
Annual Allowance charges from pension growth you never chose
Private practice run through the wrong legal structure
Professional fees and course costs never claimed
Payments on account misjudged and a January cash crisis
Undeclared medico-legal or teaching income catching up
Tax planning for clinicians is not about clever schemes. It is about knowing the reliefs, the thresholds and the pension interaction well enough to use them. Here is what you get:
An annual review before the tax year ends, when something can still be done, instead of a return prepared after every decision has already been made.
Your Annual Allowance position and your income tax position modelled as one calculation, because for doctors they are inseparable.
GMC and indemnity fees, college and BMA subscriptions, exams, courses, equipment and travel, with backdated claims where relief has been missed.
A written comparison of sole trader, partnership and limited company using your real figures, including the pension effect that most advisers ignore.
We act as your agent for correspondence, enquiries, coding notices and payment arrangements so you are not on hold between clinics.
One agreed fee, quoted up front, with unlimited telephone and email support so you never hesitate to ask a question.
Tax should take a few hours of your year, not a few weekends. Our three-step process gets you set up quickly and keeps you informed all year:
We begin by getting to know your practice and understanding your unique needs. This step ensures we have a clear picture of your operations and your goals.
Based on our initial discussion, we create a personalised plan designed specifically for you. The aim is to keep everything organised and easy to follow. You can rest assured that your numbers are being handled with expert precision.
From there, we take care of the ongoing work and keep you updated with reports. You’ll always know what’s happening, and we’re always here to answer your questions, ensuring you have a clear picture of your financial health at all times.
Chartered, experienced and genuinely specialised in healthcare. Here is what working with us looks like in practice:
We use Xero, Quickbooks, Sage & many other online software.
Meet, call or email the same qualified accountant who knows your practice and your pension position.
Free telephone & email support
throughout the year.
Our team have over 100 years of combined experienced.
Never Miss any deadline with our automated email reminders.
We’re an ICAEW, ACCA & AAT accredited Firm.
Take a back seat and let our specialist healthcare accountants handle everything. Switching part way through the tax year is straightforward and you never need to speak to your old accountant:
Reach out to us, and we’ll discuss your needs and how we can help your healthcare practice thrive.
We’ll send over a simple letter to formalise our partnership and get everything in motion.
If you're switching, we’ll take care of contacting your previous accountants to make the transition smooth.
From there, sit back and relax. We’ll manage your accounts, taxes, and everything in between, keeping your practice running smoothly.
It affects a great many doctors. Once adjusted net income exceeds the threshold, the personal allowance is withdrawn at a rate of one pound for every two pounds of extra income, producing an effective marginal rate of around 60 per cent on that band. Pension contributions, gift aid and timing of private income can all reduce the impact.
If you have self-employed or partnership income, private practice, medico-legal work, rental income, an Annual Allowance charge, or income above the child benefit threshold, you will need to file. The deadline is 31 January following the tax year for online returns, but we aim to file far earlier so you know your liability in advance.
Yes. GMC registration, medical defence organisation subscriptions and royal college memberships on HMRC’s approved list are generally allowable for employed and self-employed doctors alike. Employed doctors can usually backdate a claim for up to four tax years.
Sometimes. A company can help if you retain profits or invest, but once you draw everything out the advantage narrows considerably, and company income is not NHS pensionable. We produce a written comparison on your actual numbers rather than a rule of thumb.
The charge is based on adjusted net income, which is reduced by personal pension contributions and gift aid donations. For doctors close to the threshold, planning can remove the charge entirely. For those well above it, the decision is usually whether to keep claiming for national insurance credit purposes.
Where your self assessment liability exceeds a small threshold, HMRC requires two advance payments towards the following year, each equal to half the current bill. In your first year of significant self-employed income this means paying roughly one and a half years of tax at once. We forecast it in advance so the money is reserved.
Yes. We handle correspondence, prepare the analysis HMRC asks for, attend meetings where needed and negotiate penalty positions. If income has genuinely gone undeclared, a voluntary disclosure made through us almost always produces a better outcome than waiting.
Only where they genuinely work in the business and are paid a commercial rate for that work. Done properly it can be effective and entirely legitimate. Done as a paper exercise it will not survive an HMRC enquiry, so we document the role and the rate carefully.
Capital allowances are available on clinical equipment, computers and certain fixtures used in your practice, and the annual investment allowance often gives full relief in the year of purchase. Buying something you do not need to save tax is still a poor decision, but timing a genuine purchase is worthwhile.
A straightforward employed doctor’s return starts at a modest fixed fee. Private practice, partnerships, companies and pension work cost more. You always receive a fixed quote before we begin, and it includes support through the year.
Yes. We request professional clearance and handover information directly, so you never have to make the awkward call.
Yes. We are based in Morden, South London and act for doctors throughout the UK using secure cloud accounting, video meetings and electronic signatures.
Please double-check the figures before you act. The tax, NHS pension and accounting information on this page is general guidance for UK doctors and healthcare professionals, not personal advice. Tax rates, allowances, thresholds and NHS pension rules change regularly, including at each Budget and at the start of every tax year on 6 April. Income tax bands, the personal allowance taper, High Income Child Benefit Charge thresholds and dividend rates are reviewed at every Budget. Always cross-check any rates or figures against HMRC, the NHS Business Services Authority and the latest Budget announcements, or speak to one of our qualified accountants before acting. CruseBurke cannot accept liability for decisions made solely on the basis of this page. Last reviewed: August 2026.
