Calculate your net take-home pay as a UK sole trader after Income Tax and Class 4 National Insurance. Compare with PAYE employment.
Enter your annual gross profit
Type your profit after allowable business expenses — not your turnover. Common expenses: accountancy, equipment, workspace, professional insurance, travel.
Add pension contributions
Optional: enter any personal pension contributions. These reduce your taxable income and Class 4 NI base.
Review the breakdown
See Income Tax and Class 4 NI split, effective deduction rate, and monthly take-home.
Compare with PAYE
The calculator also shows what a PAYE employee on the same income would take home for comparison.
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Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.