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Employed, self-employed or both? Enter your income and expenses to estimate your Income Tax and National Insurance in seconds. Then, if you would like, our Chartered Certified Accountants will file the return for you from £150, VAT included.
Change any figure and your estimate updates instantly. Nothing is stored or sent.
Please enable JavaScript to use this calculator, or call 0161 531 4179.
Fully registered and supervised to act on your behalf.
Anyone who pays some of their tax through Self Assessment.
Estimate tax on your self-employed profit.
See what you owe on top of PAYE.
Check the effect of the £100,000 taper.
Know what to put aside before 31 January.
Use the calculator for free, then let a Chartered Certified Accountant prepare and file your return. VAT included.
All prices include VAT.
Based on 2026/27 rates for England, Wales and Northern Ireland.
Leave it at £0 if you are only self-employed.
Your total sales or fees for the year.
Allowable business costs.
Instantly, with a breakdown.
| Band | Taxable income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 to £50,270 | 20% |
| Higher rate | £50,271 to £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
| Class 4 NI (self-employed) | £12,570 to £50,270 / above | 6% / 2% |
In short: HMRC adds up all your taxable income, deducts your personal allowance and applies the Income Tax bands. If you are self-employed, Class 4 National Insurance is added on your profits. Tax already taken through PAYE is then deducted, and the balance is due by 31 January.
Priya earns a £30,000 salary and makes £20,000 profit from freelance design. Her total income is £50,000, so her Income Tax is £7,486, of which £3,486 is already paid through PAYE. She also owes £446 Class 4 National Insurance on her profit. Her Self Assessment bill is about £4,446.
If your Self Assessment bill is over £1,000 and less than 80% of your tax is collected at source, HMRC usually asks for two advance payments towards next year, on 31 January and 31 July. Your first January bill can therefore be up to one and a half times the figure above.
Calculators give estimates. A full return also considers allowances, losses, pension relief and student loans. Our self-employed accountants and Self Assessment service file it accurately for a fixed fee. More tools on our tax calculators page.
Official guidance: Income Tax rates and Personal Allowances · Self-employed National Insurance rates
Transparent pricing, confirmed in writing before any work begins. No hourly charges and no surprises.
Work directly with a qualified accountant who knows your affairs, never a call centre.
Responsive support by phone, email and WhatsApp, with clear advice in plain English.
Experienced with Xero, QuickBooks, FreeAgent and Sage, as well as spreadsheet records.
“My sole trader tax return was completed quickly and accurately. They even highlighted allowable expenses I hadn’t considered.”
“As someone new to self-employment, I appreciated their patience and clear explanations when filing my tax return.”
“As a sole trader, I found tax returns confusing, but Wingate made it simple and stress free.”
Share a few details and a qualified accountant will respond with a fixed-fee proposal, usually within one working day. All prices include VAT.
Request your quoteWhatsApp 0161 531 4179Real reviews from the self-employed, landlords, company directors and families we help with their tax returns and accounts.
Wingate Accountants Ltd is an independent firm of Chartered Certified Accountants, providing tax and compliance services to individuals and businesses across the UK.
✔ HMRC Registered Tax Agent
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