Making Good 

Businesses Better...

in 3 Simple Steps

Book A Consultation

Making Good 
Businesses Better

 Trust us to take care of you.

Book A Consultation

Take 3 Simple Steps With 10.CA

Together we can make the difference

Lateness, lack of control, uncertainty…all things that we all dislike in running a business.


We return calls and emails quickly, answer questions fast, take away any uncertainty you have in making decisions, in short, we will give you back control, to get and keep you up-to-date, to give you focussed answers quickly so that you and your business gain and stay in control.


Free Consultation

Our costs are agreed upon before we start any work, at the ‘Welcome’ stage.


Our clients love fixed costs as it gives them certainty, builds Trust and allows us to focus on our work and on Taking care of you.


Free Consultation

We want you and your business to be the best they can be, which is why we take the time to listen to your goals and aspirations at the earliest opportunity.


Once we have listened and understood your needs, we embrace that in our work and in the focussed advice we give.


We make sure we use the best technology and the best systems (we are Cloud Platinum partners to Xero and QuickBooks).


The best people are recruited and trained to look after you and keep you up to date with what is best for you and your business.


Our simple 3 step service promise gives us the opportunity to help you create a truly rewarding business.

Free Consultation

  • Making Good Businesses Better... in 3 Simple Steps


    Button

  • Making Good Businesses Better... in 3 Simple Steps


    Button

  • Making Good Businesses Better... in 3 Simple Steps


    Button

  • Making Good Businesses Better... in 3 Simple Steps


    Button

Welcome to 
10. Chartered Accountants 

We offer full tax, bookkeeping and accounting services, so you can focus on everything else in your business. 

With our expertise and know-how, we'll help you save money, reduce stress, and focus on your real priorities. 

Let’s talk about your accounting needs

Send us your details and we’ll arrange a time to discuss how we can support your firm or business.

About 10 Chartered Accountants Northampton

10.CA are Chartered Accountants, based centrally in Northampton. We provide a client focussed service to forward-thinking business people and their businesses. Our clients receive timely, effective and highly committed support to help their businesses move forward in an environment that is increasingly complex, competitive and fast-moving. 

We understand the challenges and opportunities facing businesses today, in particular with the added challenges that have been presented overcoming the impact of the Covid pandemic on us all. We have had to be especially focussed during this time.

With the development of Cloud-based software and the migration of digital accounting, HMRC’s vision to digitalise the UK tax system is now well underway. 10. CA is here to help its clients in Northampton and we have a specialists team to ensure that your business is guided through the process of Making Tax Digital. We are tax specialists and Cloud Platinum partners to Xero and QuickBooks putting us in a great position to advise you in relation to your future business needs.

Our friendly team of qualified accountants Northampton help take the stress away from government agency red tape, as well as offering professional information and insight for you to plan your business strategically.

Check Out Our Accounting Services

Our range of services to businesses are broad

Accounting & Taxation

We are experienced in dealing with the accounting needs of companies, partnerships and sole traders in all types of industry and in the 'not for profit' sector

Button

Cloud Accounting

We offer a range of  cloud accounting solutions and software. Most importnantly, we will advise you and recommend the most appropriate one for your business. 

Button

Growth Planning

We can provide you with critical information to assist you in the management and growth of your business including

Button

Research & Development

Research & Development tax relief can significantly reduce your company’s corporation tax bill and can even get you cashback - We have helped some of our clients do just that!

10. Chartered Accountants Happy Clients

Join our growing list of satisfied clients

Our specialist client industries and sectors include:

"I would have no hesitation in recommending them to any business, in fact I have done so several times."

 Dentists 
Stay on top of the regulations that affect your business. 
Licensed Trade 
Stay on top of the regulations that affect your business.
Contact us today
E-Commerce
Stay on top of the regulations that affect your business. 
Start ups
Stay on top of the regulations that affect your business.

 Cloud Accounting Platinum Partners to Xero & QuickBooks:

Information drives decision making. It's no understatement to say that Cloud accounting has revolutionised the relationship with our clients…if the Cloud is set up and used properly, we no longer need to wait for financial information, it is ready to use to advise clients so that decisions can be made, fast.

Our clients benefit from our depth of experience and detailed knowledge of Cloud accounting. We fully embrace the cloud-based technologies which have radically changed the way businesses process their data and produce critical timely financial information.

We are also proud to have received recognition from the two worldwide leaders in cloud accounting software provision, Xero and QuickBooks with the award of Platinum Partner status from each of them.

In adopting Cloud throughout the practice, we have the opportunity to collaborate with you online so that we can use our time providing true value rather than doing the routine keystrokes. Check out the key benefits of adoptin g Cloud here.

Need a fresh approach? A new Accountant? 

10. Chartered Accountants News Updates

Keep up to date with the latest news

The hidden savings tax trap and why changes to ISAs make it harder to put money away

By Charlie Flockhart • June 4, 2026
Do you know what your Personal Savings Allowance is? While most taxpayers in the UK will know the thresholds for Income Tax, a worrying few know the way in which personal savings can be subject to tax. With ISAs set for a significant overhaul, understanding the less tax-efficient saving options will soon be more important. How much tax do you pay on your savings? While your savings are not taxed, any interest generated by those savings could be subject to tax if it exceeds your Personal Savings Allowance. Depending on the rate of Income Tax you pay, your Personal Savings Allowance will differ. The thresholds are: £1,000 for Basic-rate taxpayers £500 for Higher-rate taxpayers £0 for Additional-rate taxpayers ISAs remain the more tax-efficient saving strategy as the interest generated from them is tax-free. It is therefore most effective to utilise the full £20,000 saving limit for an ISA as early in the tax year as possible to benefit the most from the accumulation of interest. How should tax on savings be managed? The main issue is that tax on savings is often overlooked, resulting in HMRC taking action for underpaid taxes. This will often manifest in a charge through PAYE, as employees are more likely to overlook this obligation. Those filing Self Assessment tax returns should already be declaring interest earned, so any compliance issue in that group points to a wider problem with handling tax obligations. When attempting to make the most of saving strategies, it is best to seek professional financial advice. This will be more important if the saving limit for Cash ISAs falls to £12,000 for under-65s in 2027 as proposed, leaving younger savers to have to find new ways to grow their wealth. Our professional team can help you to determine an effective saving strategy that suits your financial goals while helping you to be mindful of the tax obligations that you may face. We do not want to see anyone caught off-guard by an unexpected tax bill and understanding your exposure is vital for preventing this. Get in touch with our team to regain confidence in your saving strategy.

Salary sacrifice cap and the squeezed middle

By Charlie Flockhart • June 4, 2026
The £2,000 cap on National Insurance (NI) free salary sacrifice pension contributions was sold as a tax on high earners but, if you look closer, the opposite is true. In fact, the people most exposed are middle-income savers and the small businesses that employ them. For the so-called “squeezed middle”, it is yet another quiet hit to take. Why do the rules adversely affect middle-earners? From April 2029, salary sacrifice tax relief will continue to be available, but only the first £2,000 of employee pension contributions each year will be free of NI. Anything above that becomes liable to NI for both the employee and the employer and the full adverse effect is clear once the different rates of NI are accounted for. If a person’s total pension contributions are modest, say up to six per cent, those individuals who earn between £35,000 and £50,270 will pay an eight per cent NI charge on pension contributions above the £2,000 cap. By contrast, an individual whose earnings already exceed the upper earnings limit of £50,270 will pay employee NI at just two per cent on those same excess contributions. This imbalance in the NI system means that those on lower incomes could pay four times the NI rate on their pension savings in excess of the new threshold than the highest earners pay. How does this change affect employers’ National Insurance bills? Many employers currently share their own NI savings by topping up staff pensions, but a new 15 per cent employer NI charge on contributions above the cap makes those top-ups unaffordable for a lot of firms. As a result, some employees could see the overall efficiency of their pension saving above the cap fall by as much as 23 per cent once lost top-ups are counted. Even those who stay below the threshold are not safe, as the Office for Budget Responsibility (OBR) estimates that around 76 per cent of higher employer costs are eventually passed back to staff through weaker pay rises and trimmed benefits. Don’t wait for the change The good news is that there is time to plan, as the rules do not take effect until April 2029, which leaves room to act while current allowances still apply. If you are a middle earner, this is exactly the moment to review your pension strategy, weigh up complementary options such as ISAs and make sure your retirement plans stay on track. To talk through what the salary sacrifice cap means for you, please get in touch with our team.

Government summer savings spree adds complexity to VAT for hospitality and tourism

By Charlie Flockhart • June 4, 2026
When Rachel Reeves announced a temporary cut in VAT from 20 per cent to five per cent for family attractions and children’s dining over the summer holidays, the hospitality and leisure sectors broadly welcomed it. The scheme runs from 25 June to 1 September and is funded, according to the Treasury, by closing a tax loophole used by oil and gas companies with overseas operations. On the surface, this looks like good news worth welcoming. However, for the businesses applying the new rules, the reality of delivering the rate cut is more complicated than the headlines suggest. The rules shift from one service to the next How the cut works depends heavily on what is being sold. Admission tickets to amusement parks, water parks, zoos, museums, soft play and similar venues qualify, as do children’s and family tickets to cinemas, theatres and concerts. However, pay-per-ride attractions do not. Children’s meals only qualify when served from a clearly marketed, separate children’s menu. A smaller portion of an adult dish does not count, nor does a discounted adult meal or a takeaway. Season tickets and annual passes are generally excluded too. The result is that many businesses will apply two VAT rates at once on the same bill. Tills, accounting systems and front-of-house staff all need to handle that from day one, then revert again from 1 September. This adds an additional layer of complexity to VAT reporting that businesses need to consider right away. Encouraged, but not required The Government has urged businesses to pass the saving on to customers and the Competition and Markets Authority has new anti-profiteering powers to prevent unethical activity. Even so, there is no legal obligation to lower prices at the till and many businesses will weigh up rebuilding margin, reinvesting and matching competitors before deciding exactly what savings to offer to consumers. Given the wider cost challenges that businesses currently face, the scheme may not deliver the lift at the till that many customers are expecting. Right idea, wrong season? There is also a question of timing. The scheme targets the period when families already spend most on days out and when operators are near capacity. A cut would arguably do more for businesses in the quieter autumn and winter months. As designed, it looks more like household support than business stimulus. Any support for the sector is welcome, provided businesses seek the expert guidance required to manage obligations and make the most of any new opportunities. If you would like to discuss what the temporary VAT cut means for your business, please get in touch with our team.

 Keep up to Date With the Latest News. 

 Contact

Need help? Have a question? In need of a fresh approach?
We can help…send us a message and we’ll be straight back to you…

Contact Us

FAQs - Accountants in Northampton

  • How much does an accountant cost in Northampton?

    The cost of an accountant in Northampton depends on the complexity of your needs and the services you require. At 10. Chartered Accountants, all fees are agreed upfront before any work begins, with no surprises and no charging by the minute. Contact us for a tailored quote based on your specific requirements.

  • Do I need a local accountant in Northampton, or can I use an online accountant?

    While online accountants can handle routine compliance work, a local Northampton accountant offers something online services rarely can, a genuine relationship with someone who understands the local business environment and is available to meet face to face when it matters. Complex situations like R&D tax claims, business acquisitions, or tax investigations benefit enormously from having a qualified chartered accountant who knows you and your circumstances. 10. Chartered Accountants offers the best of both worlds: cloud-based efficiency combined with local expertise and a real team you can call.


  • What's the difference between a chartered accountant and a regular accountant in Northampton?

    The title "accountant" is not legally protected in the UK, anyone can call themselves one. A Chartered Accountant (ACA/FCA) or Chartered Certified Accountant (ACCA/FCCA) has completed rigorous professional training and examinations, is regulated by a recognised accountancy body, and must maintain their knowledge through continuing professional development. They are also required to hold professional indemnity insurance. When you choose 10. Chartered Accountants, you're working with a firm regulated by the ICAEW, giving you the protection and quality assurance that designation brings.


  • When should I switch accountants in Northampton?

    You should consider switching accountants if: your current accountant is hard to reach or slow to respond; you're getting compliance-only service with no proactive advice; your business has grown and you feel you've outgrown your current firm; your accountant isn't familiar with cloud accounting tools like Xero or QuickBooks; or you simply feel you're not getting value for money. Switching is straightforward, your new accountant handles the professional clearance process. At 10. Chartered Accountants, we make switching easy and are happy to talk through your current situation with no obligation.


  • Can an accountant in Northampton help me with Making Tax Digital (MTD)?

    Yes, and if you're self-employed, a landlord, or run a VAT-registered business, it's important to act now. MTD for VAT has been mandatory since 2022. MTD for Income Tax applies from April 2026 for those earning over £50,000, with the threshold dropping to £30,000 in 2027. 10. Chartered Accountants is a Xero Platinum Partner and QuickBooks Platinum Partner, meaning we're among the most qualified firms in Northampton to help you transition to compliant digital record-keeping. We'll set up the right software, train you on how to use it, and handle your quarterly submissions.