Self-employed tax calculator 2026/27
Estimate the Income Tax and National Insurance on your self-employed profit for the tax year 6 April 2026 to 5 April 2027, and how much to put aside each month so the bill doesn't come as a shock. It is free, works in your browser and doesn't save anything you type.
This is an estimate for England, Wales and Northern Ireland using the 2026/27 rates published by HMRC. It isn't tax advice. It doesn't include Scottish Income Tax rates, student loan repayments, pension contributions, Gift Aid, other income such as rent or savings, or the High Income Child Benefit Charge. Check your figures with HMRC or an accountant before you file.
Your taxable profit is your self-employed income minus your allowable expenses (or minus the £1,000 trading allowance, if you tick that box). Income Tax is then worked out on your profit and any job income together, and the calculator shows only the extra tax caused by your profit, because tax on a job is normally taken through PAYE. Class 4 National Insurance is charged on your profit alone.
| Income Tax (England, Wales, NI) | Rate |
|---|---|
| Personal Allowance, up to £12,570 | 0% |
| Basic rate, £12,571 to £50,270 | 20% |
| Higher rate, £50,271 to £125,140 | 40% |
| Additional rate, over £125,140 | 45% |
The Personal Allowance goes down by £1 for every £2 of income over £100,000. Source: GOV.UK Income Tax rates.
| Class 4 National Insurance | Rate |
|---|---|
| Profits up to £12,570 | 0% |
| Profits from £12,570 to £50,270 | 6% |
| Profits over £50,270 | 2% |
You no longer have to pay Class 2 National Insurance. If your profit is £7,105 or more, you get National Insurance credits towards your State Pension automatically. Source: HMRC rates and allowances 2026/27.
For the 2026/27 tax year, the deadline for your online return and any tax you owe is 31 January 2028. If your bill is more than £1,000, HMRC may also ask for payments on account towards the next year, due on 31 January and 31 July. That is one reason to set money aside each month. Read more on GOV.UK: payments on account.