FreelanceSnap · sole-trader cockpit

What's actually left after HMRC?

Free UK take-home calculator for sole traders, freelancers and side-hustlers. Income tax, Class 2 + Class 4 NIC, simplified expenses, SA103 prep. The 2025-26 numbers — and the threshold where going limited starts to make sense.

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£12,570
Personal allowance
£12,570
Class 4 starts
£50,270
Higher-rate band
60s
Per answer
Hero calculator · /calc/sole-trader-take-home

What's the real take-home from this year?

If you have a day job too.

FreelanceSnap is decision support · not tax advice

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