UK Self-Employed Tax Calculator 2026/27 — Income Tax + NI (Class 2 & 4)
Work out your UK self-employed take-home for the 2026/27 tax year after Income Tax, NI Class 2 (voluntary post-2024) and Class 4. Covers England, Wales, Scotland and Northern Ireland.
Last updated · Tax year 2026/27
| Profits | £30,000 |
|---|---|
| Personal Allowance used | +£12,570 |
| Income Tax | −£3,486 |
| NI Class 4 | −£1,046 |
| Take-home | £25,468 |
Take-home pay
£25,468
15.1% effective tax rate Income Tax plus employee National Insurance as a percentage of your gross salary. Excludes pension, student loan, and HICBC.
- Monthly
- £2,122
- Weekly
- £490
- Daily
- £98
- Hourly
- £13.06
How this calculator works
Enter your annual profits (turnover minus allowable business expenses). We apply the UK Personal Allowance and income-tax bands for your region, then add the relevant National Insurance contributions:
- Class 4 NI — profits-based (main rate 6% from April 2024, was 9%).
- Class 2 NI — flat weekly contribution. From April 2024 it’s no longer mandatory above the Small Profits Threshold. You can still pay it voluntarily to preserve state-pension entitlement if profits are below.
What we include
- All four UK regions (Scotland uses its own income-tax bands, NI is UK-wide).
- Personal Allowance taper above £100k.
- Student loan repayments (plans 1, 2, 4, 5, postgraduate).
- Blind Person’s Allowance.
- Pension contributions (reduce taxable profits).
What we don’t cover (yet)
- Capital allowances and trading-loss relief carry-forward.
- Multiple self-employment sources requiring separate accounting.
- VAT calculations.
- Director / employed + self-employed combined treatment (use the two-jobs calculator when we launch it).
See methodology for full data sources and testing approach.
Frequently asked questions
- What NI classes apply to self-employed people?
- Class 2 (flat weekly) and Class 4 (profit-based). From April 2024, Class 2 is no longer mandatory above the Small Profits Threshold — you still get state-pension credit automatically. You can still pay Class 2 voluntarily if your profits are below the threshold.
- What counts as "profits" here?
- Your turnover minus allowable business expenses. We do not handle capital allowances or loss relief carry-forward — consult an accountant or use HMRC self-assessment for those.
- How is pension relief handled?
- Self-employed pension contributions are typically relieved at source (basic rate 20%) by the provider. Enter the gross contribution to reduce your taxable profits. We don't currently model higher-rate relief claimed via Self Assessment — consult your accountant.
- Does this handle the Marriage Allowance or Blind Person's Allowance?
- Blind Person's Allowance is supported — toggle it under More options. Marriage Allowance transfers are currently only modelled on the salary calculator; it behaves identically here (adjusts PA by £1,260).
- What tax years are supported?
- Currently 2023-24, 2024-25, 2025-26 and 2026-27. 2023-24 uses the old Class 4 9% rate and mandatory Class 2; 2024-25 onwards uses the reduced 6% Class 4 and voluntary-only Class 2.