Self-employed take-home pay calculator

Profit is not pay: the tax bill comes out of it later. Put in your profit for the tax year and this gives a rough picture of what to set aside. It is an estimate, not a tax return.

Self-employed take-home pay calculator

Read more: What is the £1,000 trading allowance?

What it counts

Income tax on profit above the £12,570 personal allowance (20% to £50,270, 40% to £125,140, 45% above, with the allowance tapering away over £100,000) and Class 4 National Insurance (6% on profit between £12,570 and £50,270, 2% above).

What it leaves out

Scotland, which has different bands. Other income such as a job, student loan repayments, pension contributions, Class 2 (voluntary at these profits) and payments on account. If any of those apply to you, treat the result as a floor and check it properly.

The point is the set-aside

Most people are caught out by the lump on 31 January. The set-aside figure is the share of each pound of profit to put away so the bill is not a surprise.

Figures for the 2026/27 tax year, checked 25 October 2026. Sources: Income Tax rates and Personal Allowances; Self-employed National Insurance rates. An estimate, not advice. SideTill is not tax software.

Keep the number for every month

SideTill is the simple record of your side hustle: log the job, send the invoice, record the money when it comes in, and see whether the month actually made you money. It also shows your best month, so you can tell a bad month from a bad habit.

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