What Expenses Can a Self-Employed Builder Claim? HMRC Guide for 2026

Many self-employed builders pay more tax than necessary simply because they fail to track legitimate business expenses.

Understanding allowable expenses can significantly reduce your tax bill while helping you maintain accurate financial records.

Fuel and Travel Costs

Fuel is one of the largest expenses for most tradespeople. Keep receipts and records for all business-related journeys.

Tools and Equipment

From power tools to hand tools and replacement equipment, purchases required for work are important expenses to track.

Van Costs

Insurance, servicing, MOTs, repairs and finance payments can all form part of your overall business costs.

Workwear and PPE

Safety boots, helmets, high-visibility clothing and branded workwear are common expenses for tradespeople.

Phone, Software and Administration

Business phone usage, invoicing software, accounting tools and subscriptions can all contribute to the running of your business.

Why Expense Tracking Matters

Missing receipts means missing deductions. A consistent system for recording expenses throughout the year can save significant time and money during tax season.

Final Thoughts

The more organised your expense tracking becomes, the easier it is to understand your profitability and avoid overpaying tax.