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

£
Self-employed hub Compare employed equivalent Should you go limited? Share this view

Results

Annual net income
£118,540.40
Monthly net income
£9,878.37
Weekly net income
£2,279.62
Quarterly set-aside (savings estimate)
£20,364.90
Set aside £20,364.90 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.

Selling a property, shares or a business asset? Preview the Full CGT Report  · £4.99 personalised report, 5 to 7 pages

Full breakdown

Annual profit£200,000.00
Income tax£76,203.00
Class 4 NI£5,256.60
Student loan£0.00
Total deductions£81,459.60
Net income£118,540.40

Income tax by band

Band Rate Taxable amount Tax
Basic rate 20.0% £37,700.00 £7,540.00
Higher rate 40.0% £87,440.00 £34,976.00
Additional rate 45.0% £74,860.00 £33,687.00

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% £149,730.00 £2,994.60