Self-Employed Tax Calculator
Free & Accurate 2025/26
Calculate your self-employed tax bill for 2025/26 instantly — income tax, Class 2 and Class 4 National Insurance all itemised. Type numbers with or without commas (e.g. 45,000 or 45000). Updated for current HMRC rates.
| Profit | — |
| Personal allowance | — |
| Taxable income | — |
| Income tax | — |
| Class 4 NI (6% / 2%) | — |
| Class 2 NI (£3.50/week) | — |
| Net take-home | — |
Free Self-Employed Tax Calculator — 2025/26 Rates
Our free self-employed tax calculator gives you an instant breakdown of every tax and National Insurance payment due for 2025/26. Unlike basic calculators, this self-employed tax calculator UK separates income tax, Class 4 NI, and Class 2 NI so you can see exactly where every pound goes. Use it before your 31 January self-assessment deadline to avoid surprises.
Self-Employed Tax Rates 2025/26
As a sole trader or freelancer you pay three types of tax through your self-assessment return.
| Tax / NI type | Rate | On profits |
|---|---|---|
| Income tax — personal allowance | 0% | First £12,570 |
| Income tax — basic rate | 20% | £12,571–£50,270 |
| Income tax — higher rate | 40% | £50,271–£125,140 |
| Class 4 NI — lower rate | 6% | £12,570–£50,270 |
| Class 4 NI — upper rate | 2% | Above £50,270 |
| Class 2 NI | £3.50/wk | If profit exceeds £6,845 |
📊 How to use this self-employed tax calculator
Enter your annual profit after expenses in the self-employed tax calculator above. If you also have employment income, enter that separately — the self-employed tax calculator combines both to give you the correct personal allowance and tax band calculation. Class 2 and Class 4 NI are applied automatically.
Self-Assessment Deadlines 2025/26
31 January 2026
Online self-assessment deadline for 2024/25 and the first payment on account for 2025/26. This is the most important date for every self-employed person in the UK.
31 July 2026
Second payment on account for 2025/26.
Sole Trader vs Limited Company
Once your self-employed profit exceeds £30,000–£35,000 per year, a limited company structure often saves a meaningful amount of tax. Use our sole trader vs limited company calculator to see the exact difference at your income level. Our corporation tax calculator shows what you would pay after incorporating.