Use this self-employed calculator to estimate your take-home profit after income tax, Class 2 NI and Class 4 NI. You can also model student loan deductions and see how much to set aside for quarterly tax payments.
Updated for 2025/26 · Reviewed by James Whitfield · Methodology and assumptions
Estimate your self-employed take-home in three steps using the same tax-year assumptions across the site.
Use annual profit after allowable business expenses, not turnover. This keeps the estimate aligned to Self Assessment treatment.
The calculation combines income tax with Class 2 and Class 4 National Insurance, and includes student loan deductions if selected.
Use the quarterly set-aside estimate as a planning baseline, then reconcile with your actual HMRC statement when due.
The estimate applies income tax bands to profit, then adds Class 2 and Class 4 NI where applicable. Student loan repayments are included if you select a plan.
Self-employed NI usually includes Class 2 (flat annual amount over the threshold) and Class 4 (percentage rates on profit bands).
A practical estimate is half of the annual income tax and NI bill per quarter. Use this as a cashflow planning figure, then adjust to your actual tax account.
Tax codes, prior-year balancing payments, changing profits, and allowance adjustments can change your final amount compared with a baseline estimate.
Yes. Open the equivalent employed salary page from each profit result to compare net take-home under PAYE assumptions.