2026/27 Tax Year

Self-Employed Take-Home Pay Calculator

For self-employed workers, freelancers and sole traders. Enter your income below and we'll work out your income tax, National Insurance and what's left over after HMRC takes its share. Based on 2026/27 UK tax rates.

Your details

Fill in your income and expenses — we'll handle the tax maths.

?
Choose Annual if you know your full-year income. Choose Monthly or Weekly to enter a smaller figure — we'll multiply it up.
?
Your gross turnover from self-employment — the total amount invoiced or taken in sales, before deducting any business costs. Exclude VAT if you're registered.
Gross turnover per year, before expenses
?
Allowable costs you've paid to run your business: materials, tools, travel, a portion of home/phone costs, accountancy fees, insurance, subscriptions, training. These reduce your taxable profit.
Materials, travel, software, accountancy, tools, home-office costs etc.
?
Gross salary from any PAYE job — a second job alongside your freelance work. Enter the pre-tax amount. Leave at £0 if you're purely self-employed.
?
Personal pension contributions you make each month. You get basic-rate tax relief at source (automatic). Higher-rate taxpayers can claim extra relief via Self Assessment.
?
Plan 1: English/Welsh pre-2012. Plan 2: English/Welsh post-2012 (most common). Plan 4: Scottish students. Repaid at 9% of income above the threshold.
?
Scotland uses different income tax bands and rates (19%, 20%, 21%, 42%, 45%, 48%). NI is the same UK-wide. Your main residence determines which rates apply.