Net Pay — UK Sole Trader & Self-Employed Calculator
See what you actually take home.
A free, no-signup calculator for UK sole traders and self-employed workers. Estimate Income Tax, Class 4 NI, and true take-home for 2026/27.
Your Numbers
Your Take-Home
Set aside for tax
Nobody withholds tax for you, so this is the money to keep back.
Self Assessment payment dates
- 1st payment on account · due 31 January 2027£10,514
- 2nd payment on account · due 31 July 2027£10,514
- Balancing payment · due 31 January 2028balancing
Payments on account are each half of last year's bill; the balancing payment trues it up.
Online accounting built for UK sole traders — software plus real accountants. Partner offer.
As a limited company instead
Assumes a small director's salary plus dividends after 25% corporation tax. Running a company adds accountancy and filing costs, so treat this as a starting point, not advice.
Estimates only. Based on 2026/27 UK tax rules for single/standard filers. Does not include state, local, or other tax obligations. Consult a qualified accountant.
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Saved scenarios
Keep a few rates side by side — for example “Client A at £600/day”. Stored on this device only.