Self-Employed PAYE Salary vs Dividends Compare CGT
Free Tax Estimator · Self-Employed

Self-employed tax
calculator

Estimate Income Tax, Class 2 & 4 NI and dividend tax as a sole trader. Covers 2024/25, 2025/26 and 2026/27.

£0
Estimated tax & NI bill
£0
Estimated take-home
0%
Effective tax rate
—
Next payment on account
Self-Employed Income
Profit & Expenses
Sole trader, partnership or freelance
£
£
or enter taxable profit directly
£
Other Income
£
£
£
Dividends: £500 allowance tax-free. Taxed at 8.75% / 33.75% / 39.35% in 2024–26, rising to 10.75% / 35.75% / 39.35% from 2026/27. No NI on dividends.
Adjustments
Marriage Allowance transfer
Include voluntary Class 2 NI
£3.45–£3.65/wk — protects your State Pension record
Blind Person's Allowance

* England, Wales & NI rates. Scottish taxpayers have different bands — contact us for a tailored figure.

Tax Year 2025 / 26
Estimated Tax & NI Bill
£0
Income Tax + NI (self-employed)
Personal Allowance
£12,570 tax-free
£12,570
Income Tax
—
£0
NI Class 2
Voluntary — toggle to include
£0
NI Class 4
6% / 2% on self-employed profit
£0
Estimated take-home£0
Monthly£0 / month
BandIncomeRateTax
Enter income to see breakdown
Estimate only. Based on 2025/26 England/Wales/NI rates. Consult a qualified accountant for advice specific to your situation.
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Self Assessment Deadlines

Payments on Account

HMRC may require advance payments towards your next year's bill.

Enter your income above to see payment dates
Applies when your bill exceeds £1,000 and under 80% is collected via PAYE. Each payment is 50% of your prior year bill, due 31 January and 31 July.
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