Is this calculator “exact”? It’s deterministic using stated assumptions, but it won’t cover every edge case (e.g., special reliefs). Use it for planning and compare with official guidance for edge cases. Why do results change sharply at thresholds? Most UK taxes/charges are banded. Crossing a band can change the marginal rate applied to the next slice, which can look like a step-change in totals.

Self-Employed Take-Home Calculator 2026/27

Profit	—
Taxable profit	—
Adjusted Net Income (ANI)	—
Personal Allowance	—
Total deductions	—

Profit

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Taxable profit

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Adjusted Net Income (ANI)

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Personal Allowance

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Total deductions

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About this calculator

Estimate your self‑employed take‑home pay by modelling Income Tax (rUK/England & NI bands) plus Class 2 and Class 4 National Insurance. This calculator includes the Personal Allowance taper above £100,000 and shows a breakdown of tax and NI so you can plan payments and understand your effective rate.

How the calculation works

We calculate Income Tax on taxable profits after the Personal Allowance (including taper) and then add Class 2/4 NI based on the relevant thresholds. The result shows tax, NI and net take‑home.

FAQ

Is this for sole traders only?

It’s designed for self‑employed/sole trader profits. Limited companies are taxed differently.

Does it include expenses?

Enter profit after allowable expenses. This tool does not itemise expenses.

What about payments on account?

This estimates liability, not the timing of HMRC payments.

Is it for Scotland?

This uses rUK/England & NI Income Tax bands; Scotland differs.

Related calculators

Understanding your self-employed take-home result

This tool estimates self-employed take-home pay by modelling income tax plus Class 2 and Class 4 National Insurance on annual profits. It applies the Personal Allowance and (where relevant) the £100k+ allowance taper using Adjusted Net Income (ANI).

Profit = turnover/income − allowable expenses − pension contributions (planning approximation).
Income tax is calculated band-by-band after the Personal Allowance.
NI is estimated using annualised thresholds (Class 2/4 simplified).

Next steps

If you’re comparing operating structures, run the PAYE and Salary vs Dividend tools with the same annual figures.

Compare PAYE vs self-employed → Dividend strategy →

FAQs

Does this include VAT or expenses rules?

No. You should enter your best estimate of allowable expenses. VAT is handled separately—use the VAT calculator for VAT-inclusive figures.

Is pension handled exactly?

It’s a planning approximation. Different pension arrangements affect taxable income differently; treat results as an estimate.

Does it include student loans?

No. Add-ons like student loans and benefits-in-kind are intentionally excluded unless stated.

Assumptions: England/rUK bands; annualised calculations; excludes student loans/benefits-in-kind unless stated. Tax core: /assets/tax-core.js.

UK Self‑Employed Take‑Home Pay Calculator