Self-Employed Tax Calculator — UK 2025/26 & 2026/27
Enter your revenue, claim expenses, and get your exact tax, NI, and take-home pay — in under 5 minutes.
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HMRC 2025/26 & 2026/27 Rates
All tax bands, NI thresholds, and allowances verified against current HMRC published rates.
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Self Employed Tax Calculator
UK 2025/26 & 2026/27
Enter your revenue, claim expenses, and get your exact tax, NI, and take-home pay — in under 5 minutes.
Self-employed tax rates. At a glance.
Personal allowance stays at £12,570. Income tax at 20%, 40%, and 45%. Plus Class 4 National Insurance on profits — Class 2 was abolished in April 2024.
Personal Allowance
£12,570
Tax-free
Class 4 NI
6%
£12,571–£50,270
Class 4 NI
2%
Above £50,270
Class 2 NI
£0
Abolished Apr 2024
How is self-employed tax calculated in the UK?
You are taxed on your profit — your business income minus allowable expenses — not your total turnover. The first £12,570 (your personal allowance) is tax-free. Profit above that is taxed at 20% up to £50,270, 40% up to £125,140, and 45% beyond. On top of income tax you pay Class 4 National Insurance: 6% on profit between £12,571 and £50,270, then 2% on anything above £50,270. Mandatory Class 2 NI no longer applies — it was abolished for the self-employed in April 2024.
Worked example · £42,000 profit
- Profit after expenses£42,000
- Less personal allowance (£12,570) → taxable£29,430
- Income tax — 20% × £29,430£5,886.00
- Class 4 NI — 6% × £29,430£1,765.80
- Class 2 NI (abolished April 2024)£0.00
- Total tax + NI£7,651.80
- Take-home pay£34,348.20
Built & maintained by Omkar Sarswat · figures reviewed against HMRC guidance, April 2026.
Common questions. Clear answers.
How much tax do I pay if I am self-employed in the UK?+
Self-employed individuals pay Income Tax (20% basic, 40% higher, 45% additional rate) plus Class 4 National Insurance — 6% on profits between £12,571 and £50,270, then 2% above £50,270 for 2025/26. Class 2 NI was abolished for the self-employed from 6 April 2024, so there is no longer a flat weekly charge. As an example, a £42,000 profit gives £5,886 income tax plus £1,765.80 Class 4 NI = £7,651.80 total. Use our free calculator for your exact figure.
Has Class 2 National Insurance been abolished for the self-employed?+
Yes. From 6 April 2024, self-employed people no longer pay mandatory Class 2 National Insurance. If your profits are above the £6,725 Small Profits Threshold you automatically receive a qualifying year toward your State Pension at no cost. If your profits are below £6,725, you can still choose to pay Class 2 voluntarily — £3.50 per week for 2025/26, or £3.65 for 2026/27 — to keep your National Insurance record complete.
What expenses can I claim as self-employed?+
You can claim office costs, travel, vehicle mileage (45p/mile for the first 10,000 miles), home office costs, stock and materials, marketing, professional fees, insurance, training, subscriptions, phone/internet, and more. Expenses must be wholly and exclusively for business purposes.
When is the self-assessment deadline for self-employed?+
For the 2025/26 tax year, the online filing deadline is 31 January 2027 (paper returns by 31 October 2026). For 2026/27, the online deadline is 31 January 2028. Late filing attracts an automatic £100 penalty, increasing to £10/day after 3 months.
Do I need to pay National Insurance if I am self-employed?+
You pay Class 4 National Insurance if your profits exceed £12,570 — 6% on profits between £12,571 and £50,270, then 2% above that. Class 2 NI was abolished for the self-employed from 6 April 2024: profits above £6,725 still earn a qualifying year toward your State Pension without any payment.
What is the trading allowance for 2025/26?+
The trading allowance is £1,000. If your gross self-employed income is under £1,000 you do not need to register for Self Assessment or pay tax. If it exceeds £1,000, you can deduct the £1,000 allowance instead of claiming individual expenses.