Take-home pay calculator · 2026/27
What do you actually take home? 💰
Find out your real take-home pay. IR35 included, complex financial jargon definitely not.
What kind of freelancer are you?
Good news — IR35 doesn't apply to sole traders. You're taxed on your profits through Self Assessment.
Simple.
£
Not sure? 220 is a solid starting point after standard UK annual leave & bank holidays.
Things you spend to do the work; e.g. software, equipment, travel, home office. Reduces
your taxable profit.
£
🔒 Privacy Note: We don't save your numbers. All calculations happen locally in your browser, so your invoice secrets are safe with you. Disclaimer: These are estimates based on 2026/27 UK tax rates. They assume no other income, standard personal allowance (£12,570), and no Student Loan. For your actual situation, talk to an accountant. Not sure of your IR35 status? HMRC's CEST tool is a useful starting point.