From £22/mo

Proactive Medical Accountants for Healthcare Professionals

GoForma provides accounting for doctors, dentists, locum GPs, nurses, pharmacists, and other healthcare professionals. Get a dedicated accountant, tax planning support, and your HMRC and Companies House filings handled for you.

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  • 4.9 4.9 out of 5 stars. from 72 Google reviews
  • 4,000+ Free consultations booked
  • 7,000+ Tax returns filed
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2026/27 take-home calculator

What locums keep after tax

A self-employed locum GP with £80,000 of profit in their first year of self-employment. In 2026/27 that is £22,288.60 of Income Tax and National Insurance, leaving £57,711.40.

You keep£57,711a year
Per month£4,809
Total tax£22,28928% of profit
Set aside£1,857a month for tax
Where the money goes
Take-home£57,711.40
Income Tax£19,432.00
National Insurance£2,856.60
Expenses£0.00

When the 2026/27 bill is due

  1. 31 January 2028£33,432.90
  2. 31 July 2028£11,144.30

Payments on account are due because the bill is over £1,000.

  • Making Tax Digital applies from April 2026 at this income
  • 89% of the £90,000 VAT threshold
Assumptions

Uses 2026/27 rates for England, Wales and Northern Ireland, with no other income, student loan or pension contributions unless entered. Scotland has different Income Tax bands. This is an estimate, not advice: your accountant will check your own figures.

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Qualified · authorised · partner-tier

Real credentials, verifiable on every register

Trusted by UK contractors, freelancers and limited-company directors since 2020.

Qualified ACCA accountants Qualified AAT accountants FreeAgent platinum partner Xero silver partner HMRC MTD filing Authorised formation agent
Who we work with

Medical Accountants for every situation

Pick the situation closest to yours to see what your accountant handles. Every client works with an ACCA or AAT qualified accountant.

Doctors and GPs

What we cover

Doctors and GPs

General practitioners, specialists, surgeons, and locum doctors working in NHS or private settings who need tax-efficient accounting and proactive planning.

  • Locum GPs and hospital doctors
  • Consultants in private practice
  • NHS contractors
  • Surgeons and specialists
  • Junior doctors with additional income

Doctors and GPs

General practitioners, specialists, surgeons, and locum doctors working in NHS or private settings who need tax-efficient accounting and proactive planning.

Dentists and Orthodontists

What we cover

Dentists and Orthodontists

NHS and private dentists managing multiple income streams who need help with self assessment, VAT, and practice accounts.

  • NHS dentists with performer contracts
  • Private practice owners
  • Orthodontists and dental specialists
  • Associate dentists
  • Dental hygienists and therapists

Dentists and Orthodontists

NHS and private dentists managing multiple income streams who need help with self assessment, VAT, and practice accounts.

Pharmacists and Pharmacy Owners

What we cover

Pharmacists and Pharmacy Owners

Pharmacists operating as sole traders or through limited companies who need reliable bookkeeping and tax support.

  • Locum pharmacists
  • Pharmacy business owners
  • NHS dispensing contractors
  • Clinical pharmacists
  • Pre-registration and trainee pharmacists

Pharmacists and Pharmacy Owners

Pharmacists operating as sole traders or through limited companies who need reliable bookkeeping and tax support.

Nurses and Allied Health Professionals

What we cover

Nurses and Allied Health Professionals

Nurses, physiotherapists, occupational therapists, and other allied health professionals with self-employment income.

  • Agency and bank nurses
  • Physiotherapists and OTs
  • Radiographers and sonographers
  • Speech and language therapists
  • Paramedics and advanced practitioners

Nurses and Allied Health Professionals

Nurses, physiotherapists, occupational therapists, and other allied health professionals with self-employment income.

Therapists and Mental Health Professionals

What we cover

Therapists and Mental Health Professionals

Counsellors, psychologists, and talking therapists working privately who need self assessment support and expense advice.

  • CBT therapists and counsellors
  • Clinical and chartered psychologists
  • Psychiatrists in private practice
  • Art and music therapists
  • Child and family therapists

Therapists and Mental Health Professionals

Counsellors, psychologists, and talking therapists working privately who need self assessment support and expense advice.

Veterinarians and Researchers

What we cover

Veterinarians and Researchers

Vets in practice and medical researchers with complex income from multiple sources who need accounting advice.

  • Locum and practice veterinarians
  • Medical researchers with PAYE and self-employment income
  • Clinical trial investigators
  • Academic consultants
  • NHS and university research staff

Veterinarians and Researchers

Vets in practice and medical researchers with complex income from multiple sources who need accounting advice.

Guides by profession

Medical Accountants for your profession

Accountants for dentists Accounting for dentists in 2026/27: associate tax, NHS pension, VAT on dental care, private income through a company, and GoForma packages from £44 a month Accountants for locum doctors Accounting for locum doctors, pharmacists and other locums in 2026/27: PAYE or self-employed, IR35, NHS pension for GP locums, VAT, expenses and deadlines. Accountants for locum pharmacists Tax for locum pharmacists in 2026/27: self-employed or limited company, IR35, Making Tax Digital, VAT, NHS pension and expenses, packages from £44/month Accountants for therapists and counsellors Tax for therapists, psychologists and counsellors in 2026/27: which therapists are VAT exempt, allowable expenses, MTD from April 2027, packages from £22
What's included

Medical Accountants: everything you actually get

Not just the filings: the dedicated accountant, the contract guidance, the software, and the structure that makes medical accounting actually work for you.

Accountants for doctors, dentists and healthcare professionals

Doctors, dentists, locums and allied health professionals often combine NHS pay, locum or private income and pension questions such as the annual allowance and the McCloud remedy. Your dedicated accountant looks at NHS and private income together, so you don't end up with a surprise tax bill.

NHS pension and the annual allowance

Growth in your NHS pension counts towards your annual allowance, and a high income can reduce that allowance through the taper. Where a charge arises, Scheme Pays may let the pension scheme settle it. Your accountant goes through your pension savings statement with you when preparing your return.

Locum self-assessment, prepared correctly

Locum income, agency invoices, professional subscriptions, indemnity cover and CPD: each is recorded and claimed where HMRC allows it, so your Self Assessment return reflects the deductions you are entitled to.

Private practice: sole trader, partnership or limited company

Private clinic, aesthetic work or a cosmetic side-line? We compare trading as a sole trader and through a limited company on your real figures. On 2026/27 rates, a company paying out all its profit leaves you with less than a sole trader would keep, so going limited makes sense for other reasons: keeping profit in the company, timing dividends, employer pension contributions and limited liability.

VAT and books for private practice

Most medical care provided by registered health professionals is exempt from VAT, but some services, such as many cosmetic treatments, are not. Your accountant checks which of your income is exempt and whether you need to register. FreeAgent, included in every package, keeps practice income and costs in one place.

Direct access to your accountant

Quick question on a private invoice, a new associate contract or indemnity costs? Message your accountant directly by WhatsApp, phone or email. The same person every time, and a fixed monthly fee that includes the conversation.

FROM £22/MO · 60-SECOND QUOTE

Get your bespoke medical accountants quote

Answer a few quick questions and we'll match you to the right package, with a price tailored to your business. Takes about 60 seconds.

Month-to-month, cancel any time 30-day money-back guarantee 30 days' notice
What you get

What's included

Feature GoForma
ACCA or AAT qualified accountants ✓
Packages from £22 a month (sole traders), £28 a month (limited companies)
Dedicated personal accountant Start packages and above
FreeAgent software (worth £360 a year) Every package
WhatsApp support Start packages and above
Rolling monthly, cancel anytime ✓
Money-back guarantee 30 days
How It Works

From a 20-minute call to fully looked after

Getting started with GoForma is quick, simple, and entirely online.

01

Book a Free Consultation

Book a 20-minute call with a qualified accountant to discuss company structure, take-home pay, taxes, or switching accountants.

Free consultation No commitment, no pitch 20 MIN
Tue 13 May
09:30 10:00 10:30
Wed 14 May
11:00 14:30
02

Sign Up Online

Choose the right package and complete onboarding in your dashboard. We can register your medical business with HMRC or Companies House.

Pick a fixed-fee plan
Confirm business details
ID + AML verification
Sign engagement letter
Welcome to your dashboard
03

Company Authorisations and Software Setup

We complete all necessary steps to become authorised to manage your business and personal tax, and set up all key accounting software.

Sign letter
We contact them
Records moved
You're live
04

Start Invoicing and Paying Yourself

Automatically import bank transactions, create invoices, get advice on expenses, and learn how to pay yourself tax-efficiently.

Revenue
£42.8k
Expenses
£9.2k
CT due
£6.4k
05

Stay Ahead of Deadlines

Get proactive deadline reminders and qualified accountants managing your quarterly and annual HMRC submissions.

Quick one: am I OK to expense the home office bills?
Yes, on the simplified rate. I'll add £26/mo to your return automatically.
Replied in 4 minutes
06

Ongoing Support

Year-round advice from your accountant, who keeps your accounts accurate and compliant.

Self Assessment
Corporation Tax
VAT returns
PAYE / payroll
Year-end accounts
Confirmation statement
Rated 4.9/5 from 72 Google reviews

What clients say about GoForma

Quoted word for word from our Google reviews, under the names Google shows.

★★★★★

Excellent service from Kabir and the team. They were professional, responsive, and guided me throughout the process with patience and clear communication.

Ernestine Tonle
Google review
Verified
★★★★★

I'd highly recommend Goforma. They filed my tax return swiftly with clear and direct communication. Price was amazing. Jordan and Jawad were exceptional. I couldn't be more pleased with the efficiency and professionalism they provided.

Chris Sofokleous
Google review
Verified
★★★★★

I've been working with Kabir for a few weeks now and couldn't be happier.

Kloe Angelopoulou
Google review
Verified
★★★★★

Having been with GoForma for nearly a year I cannot recommend them more highly.

Claire Vickery
Google review
Verified

Read all 72 reviews on Google.

What Does a Medical Accountant Do?

A medical accountant specialises in providing financial services tailored to healthcare professionals. They handle bookkeeping, tax planning, financial reporting, payroll management, and offer guidance on NHS pension schemes. A good accountant can help medical professionals deal with complex tax issues, including the NHS pension annual allowance and VAT, and stay compliant.

How Healthcare Professionals Benefit from an Accountant

  • Financial planning: budgeting and tax planning to help you reach short and long-term goals.
  • Compliance and taxation: ensuring compliance with tax regulations, minimising tax liabilities, and identifying applicable deductions.
  • Improved cash flow management: analysing revenue cycles and implementing cash flow strategies to enhance profitability.
  • Expense management: identifying cost-saving opportunities and reducing unnecessary costs.
  • Time savings: freeing up valuable time to focus on patient care by handling financial paperwork and reporting.

Medical Accounting Services We Provide

  • Accounting software: FreeAgent included, with bank feeds to keep your records up to date.
  • Tax planning and preparation: self assessment returns, corporation tax, and optimising your tax position.
  • Payroll: monthly PAYE payroll filing for the director of your limited company.
  • NHS pension advice: guidance on annual allowance charges and pension planning.
  • Compliance and regulatory support: ensuring compliance with HMRC requirements specific to healthcare.
  • Structure advice: whether to work as a sole trader or through a limited company, and how to pay yourself.

Fixed Pricing, No Hidden Fees

All GoForma packages are priced clearly with no hidden extras and no long-term contracts. Get an instant online quote to see the right package for your healthcare business.

Guides

Tax guides for healthcare professionals

Guides for doctors, dentists, pharmacists and other clinicians, including NHS pension and locum work.

By role

Pensions and structure

Frequently asked questions

Do I get my own dedicated accountant?
On Start packages and above, yes. You get your own named, dedicated accountant, can book time with them in your dashboard and contact them by WhatsApp or email. Lite packages include 2 accountant discussions a year.
Do you charge for meetings or advice?
Accountant discussions are included in our monthly packages. Start packages include a dedicated personal accountant, and Lite packages include 2 accountant discussions a year.
Do you provide a free consultation?
Yes. Our initial consultation is free, by phone or video call.
Can you incorporate limited companies for healthcare professionals?
Yes. We can help incorporate your limited company and register the business for the necessary taxes and authorisations including VAT, PAYE, and Self Assessment.
What is the role of an accountant in the healthcare industry?
A medical accountant specialises in providing financial services tailored specifically for healthcare professionals. They handle bookkeeping, tax planning, financial reporting, payroll management, and NHS pension advice.
Why should healthcare professionals hire a medical accountant?
An accountant who works with healthcare professionals can help with NHS and private income, NHS pension questions such as the annual allowance, and keeping your records and tax returns accurate, so you can focus on patient care.
Do you help with NHS pension annual allowance charges?
Yes. GoForma can advise on the NHS pension annual allowance and potential tax charges that affect higher-earning doctors and consultants. We help you plan around these charges and understand your options.
Do you provide accounting software?
Yes. We include FreeAgent cloud accounting software free of charge with all packages. Key features include automatic bank transaction import, unlimited invoicing, expense tracking, and a mobile app for iOS and Android.
Is it easy to switch accountants to GoForma?
Yes. If you are looking to change accountants, the process is straightforward. You notify us through the GoForma Dashboard and we take care of everything else, including collecting records from your previous accountant and handling all HMRC authorisation changes.
Do I need to register for VAT as a healthcare professional?
It depends on whether your VAT-taxable turnover is close to the £90,000 registration threshold over any rolling 12-month period. Many medical services are VAT-exempt, but this varies by activity type. Your accountant will advise based on your specific income sources.
Meet GoForma

Real people, real qualifications, a real address

Your accounting matters too much to be handed off to an offshore team you'll never meet. Every GoForma client gets a named, UK-qualified accountant, with a London office and a phone number that picks up.

Meet our ACCA & AAT qualified accountants
Jordan Macey, MAAT qualified GoForma accountant Jordan Macey MAAT Kabir Shabir, ACCA, AAT qualified GoForma accountant Kabir Shabir ACCA, AAT Jawad Fitchett, AAT qualified GoForma accountant Jawad Fitchett AAT Noor Fiaz, AAT qualified GoForma accountant Noor Fiaz AAT
Credentials & partnerships
ACCA & AAT qualified accountants
Every accountant is qualified with the ACCA or AAT, the UK's two leading professional accounting bodies.
Verify on ACCA register
FreeAgent Platinum Partner
Top-tier partnership with FreeAgent. FreeAgent software is included on every plan, with priority support from the FreeAgent team.
Find us on FreeAgent
HMRC-recognised tax agent
Authorised by HMRC to file Corporation Tax, Self Assessment, VAT, PAYE and CIS returns directly with HMRC on your behalf, with our agent reference held on file.
Companies House (no. 11871779)
ICO data protection registered
Registered with the UK Information Commissioner's Office (ICO). Your financial data is handled under UK GDPR.
Verify on ICO register
Key terms, plain English

Quick definitions for medical accountants

IR35

UK off-payroll working rules. They decide whether a contractor working through a limited company is genuinely in business or is a 'disguised employee' for tax purposes.

Read the official HMRC / gov.uk guidance
Corporation Tax CT

The tax a UK limited company pays on its taxable profits, currently between 19% and 25% of profit depending on profit level. Filed annually via a CT600 return.

Read the official HMRC / gov.uk guidance
Self Assessment SA

The annual personal tax return that a limited-company director files for their own income, typically dividends, salary and other personal income. Deadline: 31 January.

Read the official HMRC / gov.uk guidance
Making Tax Digital MTD

HMRC's programme that requires VAT-registered and self-employed taxpayers to keep digital records and file via approved software like FreeAgent.

Read the official HMRC / gov.uk guidance
Confirmation Statement

An annual filing to Companies House confirming the company's directors, shareholders and registered office. Separate from CT and SA, but every limited company has to file one.

Read the official HMRC / gov.uk guidance
Construction Industry Scheme CIS

A set of HMRC rules for the construction sector where contractors deduct money from subcontractor payments at source and pass it to HMRC as advance tax.

Read the official HMRC / gov.uk guidance