Self Employed Tax Calculator UK 2025/26
About
This website is built to help self-employed people see an indication of their likely tax and National Insurance position across the year. It’s a simple, free self employed tax calculator designed for freelancers, sole traders and anyone working for themselves in England, Wales and Northern Ireland.
Just enter your income and business expenses and the calculator will instantly show your profit, estimated Income Tax, Class 2 and Class 4 National Insurance, and your weekly or monthly take-home pay. No personal data is collected, the tool simply calculates the numbers you provide.
Please note: this calculator does not cover Scottish income tax rates.
Frequently Asked Questions
How do I calculate my self-employed tax?
Enter your yearly or monthly income and any allowable business expenses, then click Calculate. The tool works out your profit and automatically estimates your Income Tax and National Insurance contributions.
How much tax will I pay as a sole trader?
As a sole trader, the tax you pay depends on your total profit for the year and how it sits within the self employed tax free allowance and current UK tax bands. You’ll usually pay Income Tax plus Class 2 and Class 4 National Insurance. Enter your income and expenses into the calculator to get an instant estimate based on the latest UK tax rates for England, Wales and Northern Ireland.
What is the self employed tax free allowance?
The self employed tax free allowance is the amount you can earn before paying Income Tax as a sole trader. For the 2025/26 tax year, most people receive the standard Personal Allowance, which means you only start paying tax once your profit goes above this threshold. If your earnings exceed the allowance, you’ll pay Income Tax and National Insurance based on your total profit. This calculator helps you see where your income sits against the self employed tax free allowance and how much tax you may owe for the year.
Does this calculator use the latest UK tax rates?
Yes. The calculator uses the most recent 2025/26 UK Government tax rates and thresholds for England, Wales and Northern Ireland, including updated Income Tax and National Insurance bands.
Is this tax calculator for sole traders and freelancers?
Yes. It’s designed for self-employed workers, sole traders and freelancers based in England, Wales or Northern Ireland. Scottish taxpayers should check their local rates, as tax bands differ.
What taxes does the self-employed calculator work out?
The calculator estimates your Income Tax, Class 2 National Insurance and Class 4 National Insurance. It also shows your total tax bill and your estimated take-home pay.
Can I use this tax estimate for my Self Assessment?
This tool provides a helpful estimate based on official HMRC thresholds, but it’s not a substitute for professional advice. Your final Self Assessment bill may vary depending on your personal situation.