Self-employed take-home pay table 2026/27
What a sole trader keeps after income tax and Class 4 National Insurance at each level of taxable profit, with no other income. Click any amount for the full breakdown, Scottish figures and a comparison with being employed.
| Profit | Tax + NI | Take-home (E, W & NI) | Per month | Take-home (Scotland) |
|---|---|---|---|---|
| £15,000 | £632 | £14,368 | £1,197 | £14,392 |
| £20,000 | £1,932 | £18,068 | £1,506 | £18,108 |
| £25,000 | £3,232 | £21,768 | £1,814 | £21,808 |
| £30,000 | £4,532 | £25,468 | £2,122 | £25,503 |
| £35,000 | £5,832 | £29,168 | £2,431 | £29,153 |
| £40,000 | £7,132 | £32,868 | £2,739 | £32,803 |
| £45,000 | £8,432 | £36,568 | £3,047 | £36,172 |
| £50,000 | £9,732 | £40,268 | £3,356 | £38,772 |
| £55,000 | £11,789 | £43,211 | £3,601 | £41,561 |
| £60,000 | £13,889 | £46,111 | £3,843 | £44,361 |
| £65,000 | £15,989 | £49,011 | £4,084 | £47,161 |
| £70,000 | £18,089 | £51,911 | £4,326 | £49,961 |
| £75,000 | £20,189 | £54,811 | £4,568 | £52,761 |
| £80,000 | £22,289 | £57,711 | £4,809 | £55,411 |
| £85,000 | £24,389 | £60,611 | £5,051 | £58,061 |
| £90,000 | £26,489 | £63,511 | £5,293 | £60,711 |
| £95,000 | £28,589 | £66,411 | £5,534 | £63,361 |
| £100,000 | £30,689 | £69,311 | £5,776 | £66,011 |
Profit, not turnover
Self-employed tax is based on profit: your turnover minus allowable expenses such as equipment, software, travel, a share of phone and internet, and working-from-home costs. Every pound of expenses you claim reduces both your income tax and your National Insurance.
2026/27 rates used
- Personal Allowance £12,570, reduced by £1 for every £2 over £100,000.
- Income tax in England, Wales and Northern Ireland: 20% / 40% / 45%.
- Scottish income tax: 19% / 20% / 21% / 42% / 45% / 48%.
- Class 4 National Insurance: 6% between £12,570 and £50,270, 2% above.
Frequently asked questions
How much does a self-employed person take home in the UK?
With £30,000 of profit you keep about £25,468, and with £50,000 about £40,268, in England, Wales and Northern Ireland for 2026/27.
How much tax do self-employed pay in the UK?
Income tax on profit above the £12,570 Personal Allowance, plus Class 4 National Insurance of 6% between £12,570 and £50,270 and 2% above. Both are paid through Self Assessment.
Do I pay tax on turnover or profit?
On profit: turnover minus allowable business expenses.
Sources
- GOV.UK – Income Tax rates and Personal Allowances
- GOV.UK – Income Tax in Scotland
- GOV.UK – Self-employed National Insurance rates
This calculator gives estimates for planning only. It is not tax, legal or financial advice. Rules and fees change, so check the official source or a qualified professional before making decisions.