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Estimate your Income Tax and National Insurance as a UK sole trader for the 2025/26 tax year.
Enter your profit after allowable business expenses.
Based on 2025/26 rates. Does not include student loans, pension contributions, or other deductions.
As a sole trader, you pay Income Tax on your profits above the Personal Allowance (£12,570 for 2025/26), plus Class 4 National Insurance on profits above £12,570.
| Band | Gross Income | Rate |
|---|---|---|
| Personal Allowance | Up to £12,570 | 0% |
| Basic Rate | £12,571 – £50,270 | 20% |
| Higher Rate | £50,271 – £125,140 | 40% |
| Additional Rate | Above £125,140 | 45% |
Class 4 NI is payable on self-employment profits:
Note: Class 2 NI was effectively abolished from April 2024. Most self-employed people now only pay Class 4 NI.
Self-employed tax is paid via Self Assessment. Your tax return for 2025/26 (year ending 5 April 2026) must be filed by 31 January 2027, with any tax owed due the same day. Payments on Account may also apply.
These tools track your income and expenses throughout the year and file directly with HMRC.
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