Freelance in the UK — everything you need in one workflow
Price your work, quote, invoice, handle VAT, work out tax and National Insurance, and see your real take-home. Six steps, one page, every tool free and built for the 2026/27 tax year.
Price your work
Work out what to charge per hour, per day, or per project. Cover your costs, taxes, holidays, pension, and profit, not just your old salary divided by 1,800 hours.
Quote and invoice the client
Send a clear quote, then a clean invoice that meets HMRC record-keeping requirements. Free, unbranded, downloadable as PDF.
Handle VAT
If your taxable turnover is over the £90,000 threshold (2026/27), you must register for VAT. Work out net / gross amounts at 20%, 5%, or 0% without second-guessing.
Work out tax and National Insurance
For the 2026/27 tax year. Sole traders pay Class 2 and Class 4 NI. Limited-company directors pay through PAYE + dividends. These calculators cover both.
Income Tax Calculator
UK income tax for 2026/27, England / Wales / NI and Scottish rates
National Insurance Calculator
Class 1, 2, and 4 NI, employee and self-employed
Dividend Tax Calculator
Dividend tax at basic, higher, and additional rates after the £500 allowance
Student Loan Calculator
Plan 1, 2, 4, 5, and Postgraduate repayments with write-off projection
Know what you keep
Tax + NI + student loan + pension all come out of the gross. These tools show the real take-home and help you set aside the right amount every month.
Save, invest, plan
Freelancers don't get sick pay, holiday pay, or auto-enrolment. Build your own safety net: emergency fund, ISA, and pension.
ISA Allowance Calculator
Track your £20,000 allowance across Cash, S&S, Lifetime, and IFISA
Pension Calculator
Projected pot at retirement with contributions, tax relief, and growth
Savings Goal Calculator
Work out monthly amount needed to hit a target by a given date
Capital Gains Tax Calculator
CGT on shares, property, and crypto with the £3,000 exempt amount
Why a Workflow, Not Just a List of Tools
Most calculator sites throw a hundred tools at you and hope one helps. The reality for a UK freelancer is that the questions arrive in a specific order: what do I charge, then how do I invoice it, then do I need to register for VAT, then how much tax will I owe, then what's actually mine at the end of the month. This page answers them in that order, with the right tool at every stage.
Whether you're a sole trader, a limited-company director paying yourself through PAYE and dividends, or a freelancer under an umbrella company, the underlying maths is the same, only the boxes move around. Our income tax, National Insurance, and dividend tax calculators all use 2026/27 rates, handle Scottish income tax bands, and flag edge cases like the 60% effective trap between £100,000 and £125,140.
Self-assessment deadlines matter: paper returns are due 31 October, online returns and payment of tax owed are due 31 January. Register with HMRC within three months of starting to trade. Keep records for at least five years after the 31 January submission deadline, and make sure every invoice includes your name, the client's name, a unique invoice number, the date, a description of the goods or services, the amount, and, if VAT-registered, your VAT number.
All calculators run entirely in your browser. Nothing about your income, clients, or tax position is sent to our servers or stored anywhere, ever.
Not tax advice. These tools provide estimates based on published HMRC rates for the 2026/27 tax year. They are not a substitute for professional advice from a qualified accountant or tax adviser. For your specific circumstances, including IR35, expenses, capital allowances, and international work, speak to a chartered accountant. Always confirm current rates and thresholds on gov.uk before filing.