Expert Medical Accountants Who Understand How Doctors Are Taxed
A medical career brings financial complexity that a general accountant is simply not equipped to handle. Multiple income streams, NHS pension annual allowance charges, private practice income, locum self-assessment obligations, and the arrival of Making Tax Digital — each of these demands specialist knowledge that goes far beyond standard accountancy.
Consultax are specialist medical accountants for doctors who understand the full picture of a medical professional's financial life. Whether you are a GP, a locum, a hospital consultant, a surgeon, or a private practice doctor, we handle the accounting so you can focus entirely on your patients.
Accountants Committed To Your Success
Reliable, proactive, and results-driven, we apply the same level of dedication to your success that you bring to your business every day.
Insightful Advice That Moves You Forward
We go beyond the numbers to offer guidance that’s tailored, and built for growth.
Personalised Service That Feels Like Partnership
Your goals matter, so we deliver attentive, custom support designed to guide you towards lasting success.
Financial Clarity You Can Fully Trust
We prioritise clear communication, accounting support you can understand and rely on.
Specialist Medical Accounting for Every Type of Doctor and Healthcare Professional
Consultax provides dedicated accounting and tax services to medical professionals across every discipline, employment status, and career stage. If you earn income from healthcare, whether from the NHS, private practice, locum work, or a combination of all three; your tax position demands a specialist, not a generalist.
As dedicated medical accountants and specialist accountants for healthcare professionals, we work with:
GPs & GP Partners
As specialist accountants for GPs, we handle NHS partnership drawings, PCN payments, QOF income, seniority payments, and private income on Self-assessment. For GP Partners, we also manage partnership accounts, profit-sharing arrangements, and year-end accounts for the practice.
Locum Doctors
As experienced locum doctor accountants, we manage self-employed income, IR35 status review, payments on account, and allowable expenses that locums routinely miss. Locum doctors with gross income above £50,000 must comply with Making Tax Digital — we prepare you well in advance.
Hospital Consultants
As trusted accountants for consultants, we handle NHS employment, private practice, medical reporting, expert witness work, and directorship of private medical limited companies — ensuring every income stream is reported correctly.
Surgeons
As specialist accountants for surgeons, we manage the mix of NHS salary, private surgical income, medical indemnity costs, equipment expenses, and professional subscriptions that define a surgeon's tax position.
Private Doctors & Practice Owners
As a dedicated specialist accountant for private doctors, we support solo practitioners through to multi-clinician setups, managing income tax, VAT (where applicable), payroll, and year-end accounts.
Self-Employed Doctors
As a specialist accountant for self-employed doctor clients, we manage Self-assessment filings, business expense claims, NHS pension contributions, and tax planning for doctors operating outside of straightforward PAYE employment.
Medical Practice Owners
As experienced medical practice accountants, we provide full accounting for GP practices, private clinics, and specialist medical practices — partnership accounts, payroll, VAT, CQC considerations, and year-end accounts.
Dentists, Physiotherapists & Allied Healthcare
As broader accountants for healthcare, we serve a wide range of registered healthcare professionals managing mixed income streams and self-employed tax obligations.
Medical Professionals Pay More Tax Than They Need To. Here Is Why.
Doctors, GPs, locums, and medical consultants face a combination of tax pressures that are entirely unique to the medical profession. A general accountant who occasionally files a doctor's tax return will rarely have the depth of knowledge to handle these correctly — and the cost of that ignorance falls entirely on you.
Here are the specific issues that cause medical professionals to overpay tax, receive HMRC penalties, or face unnecessary financial stress:
NHS Pension Annual Allowance Charges
The NHS pension annual allowance rules are among the most complex in the UK. The standard allowance is £60,000, but for doctors with adjusted income above £260,000, the tapered allowance can fall to as low as £10,000. A specialist medical accountant tracks your pension growth, identifies tapering exposure early, and advises on Scheme Pays and carry-forward strategies before the charge becomes a problem.
Complex Mixed Income
Most doctors earn from more than one source: PAYE NHS salary, locum income, private practice fees, medical reports, expert witness payments, dividends, and rental income. Each requires different treatment. A general accountant will often miss the interactions between these sources.
Missed Allowable Expenses
GMC registration fees, Royal College subscriptions, medical defence costs, BMA membership, professional indemnity, CPD, equipment, home office use, and travel between practice locations are routinely missed or incorrectly categorised by non-specialist accountants.
Making Tax Digital
Self-employed doctors and locums with gross income above £50,000 must file quarterly digital submissions under MTD for Income Tax. The threshold drops to £30,000 in 2027 and £20,000 in 2028. Non-compliance carries automatic penalties. Most affected doctors are not yet prepared.
IR35 and Locum Status
Locum doctors working through limited companies for NHS trusts are subject to IR35 assessment by the engager. Being incorrectly classified results in significant unexpected tax liabilities. We review your working arrangements and advise on your status before it becomes a problem.
Limited Company Decisions Without Advice
Many doctors set up limited companies for private work without proper advice. From April 2026, dividend tax rates for higher-rate taxpayers increased to 35.75 per cent — a significant change that alters the tax efficiency calculation for many private medical limited company directors.
Consultax provides the specialist knowledge that prevents all of these issues — not reactively, but through year-round proactive advice that keeps your tax position under control.
Comprehensive Medical Accounting & Tax Services: Built Around How Doctors Work
Every service we provide is designed around the specific financial structures, income sources, and tax obligations that medical professionals face — not adapted from a general accounting template.
Self-Assessment Tax Returns for Doctors
As specialist tax accountants for doctors, we prepare your annual self-assessment return with a thorough review of every income source: NHS salary, locum income, private practice fees, medical report income, dividends, rental income, and pension income. We apply every allowable expense correctly, handle NHS pension annual allowance where relevant, and file accurately on time.
Best for: GPs, locums, consultants, surgeons, hospital doctors, and any medical professional with income outside of straightforward PAYE employment.
NHS Pension Annual Allowance Advice & Planning
We calculate your pension input amount, assess whether the tapered annual allowance applies, review carry-forward from previous years, and advise on Scheme Pays elections where a charge cannot be avoided. Proactive annual allowance planning — not reactive damage limitation — is how we approach this.
Best for: Consultants and GPs earning above £100,000, doctors considering additional sessions or locum work that may trigger tapering, and those who have already received an annual allowance charge.
Medical Tax Planning & Optimisation
As your dedicated specialist medical accountant, we review your income structure, expense profile, pension strategy, and personal circumstances to identify legitimate tax savings. This includes income splitting, pension contribution planning, timing of private practice income, and sole trader versus limited company decisions. See our tax planning services.
Best for: GPs, consultants, surgeons, and private practitioners looking to take a proactive approach to their annual tax position.
Locum Doctor Accounting & Tax
We provide a complete locum doctor accountant service covering self-assessment registration, income and expense tracking, payments on account, IR35 status review, pension advice for income outside the NHS Pension Scheme, and Making Tax Digital preparation for April 2026.
Best for: Self-employed locum GPs, locum hospital doctors, bank staff with self-employed income, and doctors considering moving into or out of locum work.
Private Practice Accounting & Limited Company Support
We provide dedicated specialist accountant for private doctors services — from reviewing whether a limited company is appropriate, through company formation, book-keeping, payroll, VAT, and annual accounts, to the personal tax treatment of salary and dividends. Following the April 2026 dividend tax changes, we model your specific position before recommending any structural change.
Best for: Consultants, surgeons, and private practitioners earning above £50,000 annually from private work, and those currently operating through a limited company.
GP Practice & Medical Practice Accounts
As experienced medical practice accountants and GP accountants, we provide full accounting for GP partnerships, single-handed GP practices, and private medical practices — partnership accounts, profit-sharing schedules, personal tax for each partner, practice payroll, VAT compliance, and year-end accounts.
Best for: GP Partners, single-handed GPs, private clinic owners, and medical practice managers who need a specialist to handle the full accounting function of the practice.
Medical Book-keeping Services
Our medical book-keeping services cover income tracking across all sources, expense categorisation, invoice management, and reconciliation. We work across Xero, QuickBooks, Sage, and FreeAgent — setting up your book-keeping so Self-assessment and Making Tax Digital compliance are straightforward.
Best for: Locum doctors, private practitioners, GP Partners, and any medical professional who wants their financial records maintained accurately throughout the year.
HMRC Enquiry Support for Medical Professionals
If HMRC has opened an enquiry into your tax return, or if you are concerned about a prior-year filing, we help you respond clearly, calmly, and with evidence. We review your original returns, reconstruct records where necessary, and prepare structured responses that address HMRC's questions directly.
Best for: Doctors who have received an HMRC enquiry letter, those concerned about undeclared income from prior years, and medical professionals who want their historical filings reviewed.
Why Medical Professionals Choose Consultax as Their Accountant
Specialist medical accountants and healthcare accounting services with genuine expertise
We are not a general accounting practice that occasionally files a doctor's tax return. Consultax are specialist medical accountants and healthcare accounting services experts who bring genuine financial expertise, ICAEW accreditation, and a PwC-trained lead to every client engagement with a proactive, year-round approach that keeps medical professionals in complete control of their finances.
Led by a PwC-Trained Chartered Accountant
Varun Gupta, our founder, brings over 17 years of experience across complex tax structures, private equity, and specialist advisory work. When you work with Consultax, you receive senior-level expertise from day one — not a junior accountant processing your return from a standard template.
ICAEW Chartered Accountants
We are fully accredited Chartered Accountants regulated by the ICAEW. Every piece of advice is backed by genuine professional qualification and accountability. You can trust what we tell you.
Specialist Medical Knowledge
We understand how doctors earn, how the NHS pension operates, what expenses medical professionals can claim, and what HMRC focuses on in medical practitioner returns. You will not need to explain your income structure to us — we already understand it.
Proactive, Year-Round Advice
We do not contact you once a year in January to gather records. We review your tax position throughout the year, flag pension annual allowance exposure before it becomes a charge, and prepare your return well ahead of the deadline.
Transparent, Fixed-Fee Pricing
You will always know what you are paying before we begin. No hidden costs, no hourly rates, no surprise invoices. Clear, agreed pricing from the very first conversation.
UK & UAE Coverage
We serve medical professionals based in the UK and UAE. Whether you are a UK-based doctor managing domestic tax obligations, or a UAE-based medical professional with UK income or residency considerations, we have the cross-border knowledge to handle your position correctly.
5-Star Rated on Feefo
Our clients rate us 5 stars on Feefo. We are proud of that record and we work hard to maintain it with every engagement.
Getting Started Is Simple
Four clear steps from first conversation to year-round support. No jargon, no surprises.
Step 1
Book a Free Consultation
Call us on (+44) 20 3084 6408 or email sales@consultax.co.uk. We will arrange a no-obligation call to understand your medical career, income sources, and what you need from a specialist medical accountant.
Step 2
We Review Your Position
We assess your income structure, filing history, NHS pension position, expense records, and any outstanding HMRC obligations. We identify gaps, risks, missed reliefs, and planning opportunities before we do anything else.
Step 3
We Prepare, Plan & File
Once we understand your position fully, we prepare your self-assessment, tax plan, practice accounts, or book-keeping with complete transparency. You will know exactly what is being submitted to HMRC and why — in plain English.
Step 4
Year-Round Support
For clients who want proactive, ongoing support, we remain in contact throughout the tax year — reviewing your pension position, tracking income changes, flagging MTD obligations, and managing your tax consistently rather than reactively.
Are You Ready To Get In Touch?
Quick & affordable, avoid errors and penalties, keep your finances organised with our expert accounting services & bespoke packages.
Frequently Asked Questions
If you have income outside straightforward PAYE employment — including locum work, private practice, medical reports, expert witness income, or partnership drawings — working with a specialist medical accountant or dedicated accountant for doctors is strongly advisable. General accountants frequently miss NHS pension annual allowance issues, mishandle mixed income streams, fail to claim all allowable professional expenses, and are unprepared for the specific HMRC rules that apply to medical practitioners.
Allowable expenses for medical professionals typically include GMC registration fees, Royal College subscriptions, medical defence union or indemnity costs, BMA membership, CPD and training costs, professional journals and reference materials, equipment and instruments, stationery, home office costs where applicable, and travel between practice locations. The precise list depends on your employment status and working arrangements. We review your full expense profile as part of every engagement.
The standard annual allowance is currently £60,000 per tax year. For doctors with adjusted income above £260,000, this tapers down to a minimum of £10,000. If your pension grows beyond your available annual allowance in a given year — due to extra sessions, a pay rise, or locum income — HMRC charges tax on the excess at your marginal rate. This charge must be declared on self-assessment. We calculate your pension input amount, assess your tapering position, and advise on Scheme Pays and carry-forward options before any charge arises.
This depends on your income level, how much you withdraw versus retain, your pension arrangements, and your wider financial circumstances. From April 2026, dividend tax for higher-rate taxpayers increased to 35.75 per cent, which changes the efficiency calculation for many doctors. We model your specific position and give you a clear, evidence-based recommendation before you make any structural decision.
Yes. Managing multiple income streams is one of the most common challenges facing medical professionals, and it is one of the areas where a specialist healthcare accountant adds the most value. We bring all of your income together into a single, correctly prepared self-assessment return, ensuring each source is reported accurately, every allowable expense is captured, and the interactions between income types are handled correctly.
Ready to Work With a Medical Accountant Who Truly Understands Your Profession?
Stop managing your finances with a general accountant who does not understand NHS pension annual allowance, locum IR35 rules, medical expense claims, or Making Tax Digital. Consultax are specialist medical accountants and dedicated accountants for doctors who take a proactive, expert approach to every element of a medical professional's financial life.
Whether you are a GP, a locum, a consultant, a surgeon, or a private practice doctor — from medical accounting services and self-assessment tax returns to NHS pension advice, limited company structuring, and medical book-keeping services — we handle everything in one place, with full transparency and fixed fees.
Your goals. Our focus. Accounting with purpose.
Book a Free Consultation