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
£35,088.20
Monthly net income
£2,924.02
Weekly net income
£674.77
Quarterly set-aside (savings estimate)
£1,977.95
Set aside £1,977.95 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£43,000.00
Income tax£6,086.00
Class 4 NI£1,825.80
Student loan£0.00
Total deductions£7,911.80
Net income£35,088.20

Income tax by band

Band Rate Taxable amount Tax
Basic rate 20.0% £30,430.00 £6,086.00
Higher rate 40.0% £0.00 £0.00
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% £30,430.00 £1,825.80
Above £50,270 2.0% £0.00 £0.00