UK Self-Employed Tax Calculator 2026/27
UK self-employed take-home for 2026/27 after Income Tax and Class 4 NI (6%). Covers Scotland's six bands; Class 2 voluntary post-2024 reform.
Take-home pay
£25,468
15.1% effective tax rate Income Tax, Class 2 and Class 4 National Insurance and any student loan repayment as a percentage of your taxable profits. Excludes your own pension contributions.
- Monthly
- £2,122
- Weekly
- £490
- Daily
- £98
- Hourly
- £13.06
| Profits | £30,000 |
|---|---|
| Personal Allowance used | +£12,570 |
| Income Tax | −£3,486 |
| NI Class 4 | −£1,046 |
| Take-home | £25,468 |
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.
- Personal pension contributions, entered gross. Relief at source adds 20% to the pot; higher-rate relief comes by extending your basic-rate band by the gross contribution, and the gross reduces the income used for the Personal Allowance taper. A pension contribution is not a business expense, so Class 4 NI is charged on your full profits (FA 2004 s.192, gov.uk: pension tax relief).
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. The two-jobs calculator covers two employments, not a job plus self-employment.
See methodology for full data sources and testing approach.
Related guides
- Self Assessment 2026/27 — the deadlines, payments on account, and thresholds that apply to every sole trader.
- Making Tax Digital for Income Tax 2026 — mandatory for qualifying income > £50k from April 2026; quarterly updates explained.
- National Insurance Explained — Class 2 (now voluntary) and Class 4 rates on self-employed profits.
- Sole Trader vs Limited Company 2026/27 — the break-even profit level and the non-tax factors that matter.
Browse self-employed take-home by profit
Pre-calculated self-employed take-home for 8 popular profit levels in 2026/27. Class 2 voluntary + Class 4 (6% / 2%) + Income Tax breakdown per amount.
Related calculators
Other UK tax calculators that pair with the Self-Employed.
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?
Enter the gross contribution. A personal pension or SIPP uses relief at source: you pay 80% and the provider adds 20% to the pot. Higher-rate relief comes through Self Assessment, which extends your basic-rate band by the gross amount, and the gross also reduces the income used for the £100k Personal Allowance taper. It is not a business expense, so Class 4 NI is still charged on your full profits.
Does this handle the Marriage Allowance or Blind Person's Allowance?
Blind Person's Allowance is supported - toggle it under More options. Marriage Allowance is not modelled here. If your spouse or civil partner transfers £1,260 of their Personal Allowance to you, your own Personal Allowance does not change: you get a tax reduction of 20% of that amount (up to £252 in 2026/27) off your Income Tax bill, and it does not reduce Class 4 National Insurance. The partner who transfers loses £1,260 of their allowance.
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.