Cyfrifwch eich cyflog net cartref fel masnachwr unigol yn y DU ar ôl Treth Incwm a NI Dosbarth 4. Cymharwch â chyflogaeth PAYE.
Rhowch eich elw gros blynyddol
Teipiwch eich elw ar ôl treuliau busnes caniataol — nid eich trosiant. Treuliau cyffredin: cyfrifyddiaeth, offer, gweithle, yswiriant proffesiynol, teithio.
Ychwanegwch gyfraniadau pensiwn
Dewisol: rhowch unrhyw gyfraniadau pensiwn personol. Mae'r rhain yn lleihau eich incwm trethadwy a'ch sylfaen NI Dosbarth 4.
Adolygwch y dadansoddiad
Gwelwch y rhaniad Treth Incwm a NI Dosbarth 4, cyfradd didyniad effeithiol, a chyflog cartref misol.
Cymharwch â PAYE
Mae'r gyfrifiannell hefyd yn dangos faint y byddai gweithiwr PAYE ar yr un incwm yn ei gael adref er mwyn cymharu.
A sole trader earning £45,000 profit takes home more per pound than an employee on £45,000 salary, because Class 4 NI is lower than employee NI and there is no employer NI at all. Full 2026/27 comparison.
Most sole traders can now use cash basis accounting regardless of turnover, but the choice still has real tax timing consequences. Here's how the rules work for 2026/27 and when accruals is still the better fit.
Construction Industry Scheme deductions are 20%, 30% or 0% depending on your registration and verification status with HMRC. Here's exactly how contractors determine which rate to apply to a subcontractor.
Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.
