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
£25,503.13
Monthly net income
£2,125.26
Weekly net income
£490.44
Quarterly set-aside (savings estimate)
£1,124.22
Set aside £1,124.22 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£30,000.00
Income tax£3,451.07
Class 4 NI£1,045.80
Student loan£0.00
Total deductions£4,496.87
Net income£25,503.13

Income tax by band

Band Rate Taxable amount Tax
Starter rate 19.0% £3,967.00 £753.73
Basic rate 20.0% £12,989.00 £2,597.80
Intermediate rate 21.0% £474.00 £99.54
Higher rate 42.0% £0.00 £0.00
Advanced rate 45.0% £0.00 £0.00
Top rate 48.0% £0.00 £0.00

Class 4 NI by band

Range Rate Profit in band NI
£12,570 to £50,270 6.0% £17,430.00 £1,045.80
Above £50,270 2.0% £0.00 £0.00