Self-Employed Tax Calculator UK (2026/27)

Estimate take-home profit after income tax and Class 4 National Insurance, with optional student loan deductions. Results update instantly and include a quarterly set-aside savings estimate.

Updated for 2026/27 · Reviewed by James Whitfield · Methodology and assumptions

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Results

Annual net income
£75,011.40
Monthly net income
£6,250.95
Weekly net income
£1,442.53
Quarterly set-aside (savings estimate)
£9,997.15
Set aside £9,997.15 per quarter as a savings estimate (a quarter of the year's income tax and Class 4 NI). Self Assessment is paid on 31 January and 31 July, usually as two payments on account of half the previous year's bill. First year: there are no payments on account yet, so your first 31 January bill is the whole year-one bill plus the first payment on account for year two — up to 150% of a year's tax on one date. Save extra before your first January. How quarterly tax works.

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Full breakdown

Annual profit£115,000.00
Income tax£36,432.00
Class 4 NI£3,556.60
Student loan£0.00
Total deductions£39,988.60
Net income£75,011.40

Income tax by band

Band Rate Taxable amount Tax
Basic rate 20.0% £37,700.00 £7,540.00
Higher rate 40.0% £72,230.00 £28,892.00
Additional rate 45.0% £0.00 £0.00

Class 4 NI by band

Range Rate Profit in band NI
£12,570 to £50,270 6.0% £37,700.00 £2,262.00
Above £50,270 2.0% £64,730.00 £1,294.60