UK Self-Employment Tax Calculator 2025

Estimate how much tax you owe as a self-employed person for the 2025–26 tax year. Includes Income Tax, Class 2 National Insurance and Class 4 National Insurance using the latest HMRC rules.

UK Self-Employment Tax Calculator

Estimate your 2025/26 Income Tax and National Insurance (Class 2 & 4) based on your self-employed profits.

Options

For guidance only — not financial advice.

Ready
Total Tax Payable £0.00
Net Take-Home £0.00
Effective Tax Rate 0%
Breakdown Amount (£)
Income Tax 0.00
Class 4 NI 0.00
Class 2 NI 0.00
Total Tax 0.00

 

Self-Employment Tax Rates 2025–26

If you run a small business, you may also find our Small Business Tax Calculator, Income Tax Calculator, or National Insurance Calculator helpful.

Income Tax (England, Wales & NI)
Band Income Range Rate
Personal Allowance £0 – £12,570 0%
Basic Rate £12,571 – £50,270 20%
Higher Rate £50,271 – £125,140 40%
Additional Rate Over £125,140 45%
National Insurance (Self-Employed)
Class 2 NI Flat weekly rate (if profits above HMRC threshold). See HMRC guidance: Self-Employed NI Rates
Class 4 NI 10% on profits £12,571 – £50,270
2% on profits above £50,270
Official HMRC details: What You Pay – Self Assessment

These apply to sole traders, freelancers and self-employed individuals. For limited companies, see our Corporation Tax Calculator.

How Self-Employment Tax Works

Self-employed individuals in the UK pay tax through the Self Assessment system. You can check if you need to register using HMRC’s official guide: Register for Self Assessment.

  • Income Tax is based on your taxable profits.
  • Class 2 NI is a small weekly charge if your profits exceed the threshold.
  • Class 4 NI is a percentage of your profits above the lower and upper limits.
  • You can deduct business expenses before calculating tax. Learn more: HMRC Allowable Expenses.

For dividend income alongside self-employment, try the Dividend Tax Calculator. This calculator combines all components for a full tax estimate.

Self-Employment Tax Examples

For a full picture of your taxes, you can also use the PAYE Tax Calculator if you have employment income alongside freelance work.

Profit: £20,000
  • Income Tax: £1,486
  • Class 2 NI: ~£179
  • Class 4 NI: ~£743
  • Total: ~£2,408
Profit: £40,000
  • Income Tax: £5,486
  • Class 2 NI: ~£179
  • Class 4 NI: ~£2,743
  • Total: ~£8,408
Profit: £75,000
  • Income Tax: £17,486+
  • Class 2 NI: ~£179
  • Class 4 NI: ~£4,493
  • Total: ~£22,158+

Frequently Asked Questions

You may also find our VAT Calculator and Loan Calculator helpful if you are managing business finances.

Yes — you pay tax on profits rather than total income, and NI is Class 2 and Class 4. HMRC overview: Self-Employed Tax Rates

Yes — all self-employed individuals earning more than £1,000 must register for Self Assessment. See HMRC guide: Self Assessment Tax Returns

This UK Self-Employment Tax Calculator uses the latest 2025–26 HMRC rates for Income Tax, Class 2 and Class 4 National Insurance contributions. For limited company tax, see our Corporation Tax Calculator.