Self-employed tax calculator
How much tax will you pay as a sole trader, and what is left to take home? Put in your income and expenses for an estimate of your Income Tax, National Insurance and take-home pay.
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Enter your income and expenses, and your estimated tax bill and take-home pay appear here with a full breakdown.
Want to understand how it works?
The full guide covers how self-employed tax and National Insurance are worked out, the Personal Allowance and the bands, why expenses matter, and how to set money aside so the bill is never a shock.
Read the self-employed tax guide →An estimate for a sole trader, using the HMRC Personal Allowance, Income Tax bands (England, Wales and Northern Ireland) and Class 4 National Insurance rates for the 2025/26 and 2026/27 tax years, which are frozen at the same figures. Scotland has different bands. It leaves out Class 2 National Insurance, the trading allowance, student loans, payments on account and other income, so your real figure will differ. This is not tax advice, so check your position with HMRC or your accountant. Source: HMRC Income Tax rates (GOV.UK)
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