UK Self-Assessment · 2025-26
Self-Assessment Tax Calculator 2025-26
The full SA picture in one form. Combine PAYE income, dividends, sole-trader profit, rent and savings interest. We apply the personal-allowance taper, Class 2 + Class 4 NI, dividend bands and savings allowance — the way HMRC does.
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Common questions
- Does this work for sole traders?
- Yes — put your trading profit (revenue minus allowable expenses) into 'Self-employed profit'. The calculator applies Class 2 (£3.45/wk) and Class 4 (6%/2% bands) NI alongside income tax exactly as HMRC does.
- What about Making Tax Digital for income tax?
- MTD ITSA starts April 2026 for sole traders/landlords with combined gross income above £50,000 (and £30,000 from April 2027). The numbers in this calculator don't change — what changes is that you'll send quarterly updates instead of one annual return.
- Why does the personal allowance drop when I earn over £100k?
- It tapers. £1 of allowance is removed for every £2 above £100,000 — fully gone by £125,140. Effective marginal rate in the taper zone is 60% (40% income tax + 20% lost allowance). The calc applies this automatically.
- Are dividend tax rates the same as on a normal payslip?
- No — dividends use 8.75% / 33.75% / 39.35% (basic/higher/additional). The first £500 is allowance-free. Dividends don't attract NI, but they DO push other income into higher bands, which is why this calc considers all your income together.
- Can I include payments on account?
- Not in this calculator. The figure shown is your full SA tax bill for the year. Payments on account are 50% on 31 January and 50% on 31 July; first year you pay both for next year on top of the current year. BahiKhata schedules these reminders for you if you sign up.