Know exactly what you owe HMRC.
Free self-assessment tax calculator for 2025/26 and 2026/27.
No signup. No jargon. Accurate to the penny.
100% Free Calculation
Full tax calculation with band breakdown. No signup needed. Only pay if you want the PDF report.
HMRC 2025/26 Rates
All tax bands, NI thresholds, and allowances verified against current HMRC published rates.
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All calculations run in your browser. No data sent to any server until you choose to pay.
Built for people who hate tax forms.
Whether you're freelancing, renting out property, or driving for Uber.
Freelancers
Claim every expense you're entitled to. Know exactly how much to save each month.
Landlords
Calculate rental profit correctly after mortgage interest, repairs, and insurance.
Side Hustlers
Uber, Etsy, Deliveroo — find out if you need to file and what you can claim.
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Freelancer Tax Calculator
UK 2025/26
Contractor, consultant, or creative — know exactly what you owe HMRC. Income tax, NI, expenses, and take-home pay.
How freelancer tax works.
You're taxed on net profit — revenue minus allowable expenses. £12,570 personal allowance, then income tax and NI on the rest.
Personal Allowance
£12,570
Tax-free
Basic Rate
20%
Up to £50,270
Higher Rate
40%
Up to £125,140
Additional Rate
45%
Above £125,140
Common questions. Clear answers.
How much tax does a freelancer pay in the UK?+
Freelancers pay income tax at 20% (basic), 40% (higher), or 45% (additional) on taxable profits, plus Class 2 NI (£3.45/week) and Class 4 NI (6% on £12,571–£50,270, 2% above). Your personal allowance of £12,570 is tax-free.
What expenses can freelancers claim?+
Freelancers can claim any expense "wholly and exclusively" for business: office supplies, software subscriptions, travel, phone/internet, professional development, accountancy fees, insurance, marketing, and equipment. Home office costs can be claimed using the simplified flat rate or actual proportion method.
Do freelancers need to register for Self Assessment?+
Yes, if your freelance income exceeds £1,000 in a tax year. You must register with HMRC by 5 October following the end of the tax year in which you started freelancing. You can register online at gov.uk.
Can I freelance and be employed at the same time?+
Yes. Your employment income uses your personal allowance and is taxed via PAYE. Your freelance profits are added on top and taxed at the relevant rate. You will need to file a Self Assessment return to declare both income sources.