Tax Tools
Independent calculators. Rates sourced from GOV.UK.

England & Wales Self-Employed Tax Calculator

Enter your annual profit after expenses to estimate UK self-employed Income Tax and National Insurance.

Rates sourced from GOV.UK Runs in your browser (no form submission) Shareable link for repeated use

Only know turnover? Start with profit vs turnover. Already know profit? Use the calculator below.

Inputs

Use annual profit after allowable business expenses. If you have turnover only, do not guess.

Privacy: calculations run locally in your browser.
Assumptions, limits, and sources
  • This tool gives a simplified estimate using the selected rates file.
  • Pension input assumes a relief-at-source contribution and applies additional tax relief above the 20% provider top-up.
  • It does not include dividends, capital gains, VAT, benefits, or full Self Assessment details.
  • Pension relief and student loan rules are simplified.

Sources: Income Tax rates, Self-employed National Insurance, Scottish Income Tax, Student loan thresholds.

Results

Ready

Updated: 2026-04-20 · Rates: —

— estimated total due

TL;DR: total due = Income Tax + Class 4 NIC (+ optional Class 2 NIC + student loan).

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Method (transparent calculation)

1) Apply Personal Allowance (tapered down for income over £100,000).
2) Apply Income Tax bands for the selected region (England/Wales or Scotland).
3) Add Class 4 National Insurance (thresholds + rates per selected tax year).
4) Add optional Class 2 NIC (voluntary below Small Profits Threshold).
5) Add optional Student Loan repayment based on annual profit and plan threshold.
6) If you enter “tax already paid”, show estimated refund/amount owed (paid minus total).

This calculator treats profit as non-savings, non-dividend income and does not include the savings starting rate. Pension contributions are treated as relief-at-source: they can restore Personal Allowance and reduce Income Tax above the 20% provider relief, but Class 4 NIC is unchanged.

FAQ

Does this include Scotland tax rates?

Yes. Choose “Scotland” in Region. This models Scottish Income Tax bands for non-savings income.

Is this an official calculator?

No. This is an independent estimator. Always verify with official guidance or an accountant.

What’s not included in the estimate?

Dividends, capital gains, VAT, child benefit charge, detailed expenses, and full Self Assessment items.

Where do the rates come from?

Rates are sourced from GOV.UK and versioned by tax year and region in the rates JSON files used by this page.

Sources & rate versioning

Last updated: 2026-04-20

Rates file: View JSON

Primary sources: Income Tax rates and allowances, National Insurance rates and allowances, Scottish Income Tax, Student loan repayment thresholds.

Common next guides

Use these only if you need help with the input, not before your first calculation.

Profit vs turnover (UK self-employed): what should I enter? · UK self-employed allowable expenses: what this calculator assumes · Class 2 National Insurance for UK self-employed (explained) · Class 4 National Insurance for UK self-employed (explained) · UK self-employed tax and student loan: what to expect