Self-employed tax calculator, 2026/27

A free, rough estimate of income tax and Class 4 NI for sole traders in England, Wales and NI.

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Our £9 bookkeeping spreadsheet works out these figures for you from your income, expense and mileage logs.

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Estimate only, not tax advice. These figures use 2026/27 gov.uk rates for England, Wales and Northern Ireland (not Scotland). They exclude student loans, payments on account and other reliefs. Check with HMRC or a qualified accountant before you file or pay.

Assumes 2026/27 rates: £12,570 personal allowance (tapered above £100,000), 20%/40%/45% bands, Class 4 NI at 6% on profits between £12,570 and £50,270 and 2% above. Class 2 NI: nothing to pay if your profits are £7,105 or more; below that it is voluntary (£3.65/week). Sources: gov.uk income tax rates, self-employed NI rates.

Rates checked on 15 October 2026 against official sources: gov.uk income tax rates · self-employed NI · mileage · trading allowance · MTD.

General information only, not tax, legal or financial advice. Our liability is capped at the price paid, as far as the law allows. Your statutory rights are not affected. See the terms of sale. · All Kept Sheets