Self-Employed Tax Calculator UK

How to use

1. Enter your annual self-employment profit in pounds, after allowable expenses.
2. Read income tax, Class 4 NICs, the Class 2 line, and the combined total.
3. Check the after-tax figure to plan drawings and savings.
4. Raise profit past 50,270 to watch the 2 percent Class 4 band and 40 percent tax engage.
5. Remember payments on account: two instalments toward next year sit alongside this bill.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance) as of 2026-08. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Work out the 2025-26 tax bill on self-employment profit: UK income tax, Class 4 National Insurance, and the flat Class 2 charge. On 48,000 pounds of profit the estimate shows 7,086.00 in income tax at the 20 percent basic rate, 2,125.80 in Class 4 contributions, and 182.00 in Class 2, a combined 9,393.80 that leaves 38,606.20. The personal allowance of 12,570 applies in full here but tapers above 100,000 of profit, and Class 4 runs at 6 percent up to 50,270 of profit then 2 percent above. Figures appear as plain numbers; everything is in pounds. Student loans, pension relief, the trading allowance, and VAT are not part of this model. Simplified 2025-26 model: excludes student loans, pensions, marriage allowance, trading allowance mechanics, and VAT; Class 2 shown at the flat weekly rate with threshold treatment simplified; verify with official sources; not tax advice.Class 2 costs 3.50 a week, 182.00 a year, and profits under the 6,845 small-profits threshold are treated as paid so the state pension record stays intact. From April 2026, Making Tax Digital requires quarterly digital updates for sole traders with profits over 50,000. Payments on account spread the bill across two January and July instalments.

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