Self-employed tax calculator, 2026/27

A free, rough estimate of income tax and Class 4 NI for sole traders in England, Wales and NI.

Keep the records that back this up

Our £9 bookkeeping spreadsheet works out these figures for you from your income, expense and mileage logs.

See the spreadsheet
Estimate only, not tax advice. These figures use 2026/27 gov.uk rates for England, Wales and Northern Ireland (not Scotland). They exclude student loans, payments on account and other reliefs. Check with HMRC or a qualified accountant before you file or pay.

Assumes 2026/27 rates: £12,570 personal allowance (tapered above £100,000), 20%/40%/45% bands, Class 4 NI at 6% on profits between £12,570 and £50,270 and 2% above. Class 2 NI: nothing to pay if your profits are £7,105 or more; below that it is voluntary (£3.65/week). Sources: gov.uk income tax rates, self-employed NI rates.