Specialist accounting for associate dentists. Real numbers, fixed pricing, replies inside 72 hours — every time.
You MUST report GROSS income (before practice deductions) on your tax return, not the NET payment you receive. This is the most common tax return error for dental associates. Get it wrong and HMRC will investigate, charge penalties, and add interest. Your generalist accountant probably doesn’t know this.
GDC fees (£890), BDA subscription, professional indemnity insurance, CPD courses, loupes, mileage between practices (45p/mile), home office — most associates claim fewer than 50% of legitimate deductions.
Your SD86C statement from NHS Compass determines your pension contribution tax relief. But superannuation is NOT a Self Assessment expense — it qualifies for income tax relief only. Get the entry wrong and you’ll either overpay or trigger an HMRC enquiry.
The optimal incorporation point depends on your profit level, extraction strategy, and NHS contract structure. At the current 25% corporation tax rate, the crossover is typically £50,000–£100,000 profit — but NHS associates should also consider employment status scrutiny and pension continuity before incorporating. You can’t simply transfer an NHS performer number to a Ltd company.
We review your associate income, current expenses, and show you quick wins we can unlock immediately. Day 1 · 30 minutes.
We contact your old accountant, transfer records, and set up your bookkeeping software. Week 1 · 0 min from you.
NHS BSA data and practice payments mapped. GROSS income reconciled, expenses categorised, SD86C reviewed. Week 2–3 · 15 min from you.
Self Assessment filed and optimised, NHS pension handled correctly, deadlines managed. You focus on dentistry. Ongoing · 5 min/month from you.
Thirty minutes with an ACCA-qualified accountant. We surface the savings, gaps, and structural issues most accountants miss — no obligation, no sales pitch.
We verify you’re reporting GROSS income correctly — the most common error for dental associates.
Full review of your deductions — GDC, BDA, indemnity, CPD, mileage, loupes, home office & more.
SD86C reconciliation, annual allowance calculation, and correct tax relief positioning.
Sole trader vs. limited company — with dental-specific NHS contract considerations.
Making Tax Digital check — is your software compliant and are you set up for quarterly submissions?
Download our free checklist: The Associate Dentist’s Expense Checklist: 25 Deductions You’re Probably Missing — the same list we use with clients to find £2K–£5K in annual savings. No spam. Unsubscribe anytime.
We work with associates every day — GROSS vs NET, SD86C, NHS pension, and the deductions every other accountant misses.
SD86C reconciled, annual allowance modelled, and superannuation entered as income tax relief — not a Self-Assessment expense.
We model sole trader vs Ltd against your actual profit, NHS performer number, and pension position — not a generic crossover rule.
Yes — this is core to what we do for associates. The SD86C from NHS Compass / PCSE shows your pensionable pay and employee contributions, but superannuation is NOT a Self Assessment expense. It qualifies for income tax relief only, entered in the pension contributions section of your return. Get it in the wrong box and you either lose the relief or trigger an HMRC enquiry.
GROSS — every time. HMRC require you to declare gross associate income (before practice deductions, lab fees and the principal's share) and then claim lab fees and any allowable expenses on the other side. Reporting only the net payment is the single most common dental tax error and triggers HMRC compliance checks, penalties and interest.
Yes. The 1995, 2008 and 2015 schemes calculate pension growth differently, and high earners routinely breach the £60,000 annual allowance without realising. We pull your Total Reward Statement, model pension input amounts across all schemes, check for tapered allowance, and tell you whether to use scheme pays or pay the charge personally — before HMRC charges interest on it.
If they have ever asked you to send the net figure, treated superannuation as a P&L expense, or never mentioned annual allowance, you are at material risk and almost certainly underclaiming on GDC, BDA, indemnity, loupes, CPD and mileage at 45p/mile. Most associates we onboard recover £2,000-£5,000 in year one, more than covering our fee, with the switch handled in week one at zero effort.
Fixed monthly pricing from £99 covering Self Assessment, expense optimisation, SD86C reconciliation, pension annual allowance review and unlimited support inside 72 hours. ACCA-qualified, HMRC-authorised tax agents, rolling monthly with no long contract and a 30-day money-back guarantee — so you can switch from your generalist with effectively zero risk.
Thirty minutes with an ACCA-qualified accountant. Most owners uncover £1,000–£3,000 in annual savings on the first call. If we are not the right fit, you walk away with a free tax review on the house.
