Self-Employed Tax & Income

UK Self-Employed Tax Calculator

Estimate your Income Tax, Class 4 National Insurance, and net take-home income based on your annual self-employed profit and allowable business expenses in Great Britain.

Designed for self-employed income, sole traders, and freelancers in England, Wales, and Northern Ireland.

✓ Progressive UK Income Tax bands
✓ Class 4 National Insurance calculations
✓ Allowable business expenses deduction

The calculation method and thresholds are explained in our How it works guide.

Calculate my tax

Personal Allowance

£12,570

0% Income Tax

Basic Rate

£50,270

20% Income Tax

Higher Rate

£50,271 – £125,140

40% Income Tax

Additional Rate

£125,141+

45% Income Tax

How to use this calculator

To calculate your estimated UK self-employed taxes:

Enter your Annual gross income.
Enter Allowable expenses (if applicable).
Optionally add notes for your own reference.
Click Calculate Taxes to view your results.

The results will appear below as charts and a detailed tax table.

How these numbers are calculated

This calculator estimates your UK self-employed taxes using official HMRC tax bands and rates.

It includes:

Income Tax (progressive / tiered bands)
Personal Allowance, including reduction for income above £100,000
Class 4 National Insurance
Profit calculation based on allowable expenses

Effective marginal rate

The effective marginal rate shows how much tax applies to your next £1 of income, not to your total profit.

Between £100,000 and £125,140, the marginal rate is higher because:

your income is taxed at the 40% higher rate, and
part of your Personal Allowance is withdrawn, making additional income taxable.

This results in a higher effective marginal tax rate in this income range, due to the combined effect of higher-rate Income Tax and the withdrawal of the Personal Allowance.

National Insurance is calculated separately and is not affected by Personal Allowance.

This calculator applies all taxes progressively and does not apply a single flat rate to your income.

Annual gross income

Allowable expenses

Income Tax is calculated automatically using UK progressive tax bands.

Class 4 National Insurance is calculated automatically using UK profit thresholds (6% and 2%).

Notes (optional)

National Insurance (Class 4) is calculated progressively. Different rates apply to different portions of your profit: 0% up to the lower threshold, 6% on the middle range, and 2% above the upper limit.

What this pie chart shows

This pie chart illustrates how your annual profit is distributed between taxes and take-home pay.

Your total profit is £0.00.

From this amount, approximately £0.00 is calculated as Income Tax, based on current UK tax bands.

Your National Insurance is calculated progressively and includes:

£0.00 at 0%
£0.00 at 6%
£0.00 at 2%

After all taxes are deducted, your estimated net income is £0.00.

This is an estimate for guidance purposes only. Final tax liability is determined by HMRC.

What this bar chart shows

This horizontal bar chart provides a visual breakdown of your annual financials, including profit, Income Tax, National Insurance contributions, and net income.

Profit: £0.00

Income Tax is shown in its progressive bands:

0% (Personal Allowance): £0.00
20% (Basic Rate): £0.00
40% (Higher Rate): £0.00
45% (Additional Rate): £0.00

National Insurance is displayed by rate:

0%: £0.00
6%: £0.00
2%: £0.00
Total NI: £0.00

Net Income: £0.00 represents your take-home profit after all taxes.

This is an estimate for guidance purposes only. Final tax liability is determined by HMRC.

Report

Category	Rate	Band range (£)	Taxable amount (£)	Tax due (£)
Profit	–	–	0.00	–
Income Tax	–	–	–	0.00
Personal Allowance	0%	0 – 12,570	0.00	0.00
Basic Rate	20%	12,571 – 50,270	0.00	0.00
Higher Rate	40%	50,271 – 125,140	0.00	0.00
Additional Rate	45%	125,141 +	0.00	0.00
Class 4 National Insurance	–	–	–	0.00
0%	0%	0 – 12,570	0.00	0.00
6%	6%	12,571 – 50,270	0.00	0.00
2%	2%	50,271 +	0.00	0.00
Net Income	–	–	0.00	–

How to read this table

This table provides a detailed breakdown of your annual profit, showing the amounts taxed at each rate for Income Tax and Class 4 National Insurance.

Category: The type of income, tax, or contribution.
Rate: The percentage rate applied to the taxable amount.
Band range (£): The income range to which this rate applies.
Taxable amount (£): The portion of your profit within this band.
Tax due (£): The amount of tax or National Insurance calculated for this band.

Key points:

Income Tax is calculated progressively across bands: Personal Allowance (0%), Basic Rate (20%), Higher Rate (40%), Additional Rate (45%).
Class 4 National Insurance is calculated progressively: 0%, 6%, 2% on applicable profit ranges.
Net Income represents your take-home profit after all taxes and contributions.

How to print or save your table?

For your convenience, you can print the table results or save them as a PDF on your computer.

Enter a title for your table in the field under Report, for example: "Tax and Income Report for John Smith: 2024-2025". Then click the Export to PDF button.

Your print dialog will open, where you can adjust settings as needed, such as:

Printer (select your physical printer for paper, or a PDF printer/converter to save as a file)
Number of copies (e.g., 1)
Layout (Portrait)
Pages: choose only page 1, as the table is on the first page and the remaining pages are blank. (we're working on expanding the print output to include charts soon.)

These figures are estimates based on your annual profit and current UK tax thresholds.
For official rates and bands, see HMRC Income Tax Rates.
This tool does not replace professional advice or an HMRC calculation.

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Please note

These figures are estimates based on annual profit and current UK tax thresholds. This tool provides useful financial estimates, but does not replace official HMRC calculations or professional tax advice.

Learn how the calculations work →