Employee vs self employed

If you are employed or self-employed working as a freelancer, calculate how much tax you owe on your income.
Free and easy-to-use.
Employee take home
Salary£0.00
Income Tax£0.00
Employee NI£0.00
Net Liability£0.00
Take-home£0.00
Sole trader take home
Profit£0.00
Income Tax£0.00
Employee NI£0.00
Net Liability£0.00
Take-home£0.00
How does this calculator work?
  •  

    Use this calculator to compute and compare your take-home income if you are employed or self-employed.

  •  

    Enter your annual income or annual salary.

  •  

    The calculator will compute your take-home income. You can see the breakdown of income tax and National Insurance Contributions. 

  •  

    The calculator assumes that you are entitled to personal allowance.

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Related FAQ's

Many individuals in full-time work with only salary income never have to submit a tax return.

The following are the only times when you must file a self-assessment tax return:

  • - When your annual pre-tax income exceeds £100,000
  • - When you have additional sources of income (typically greater than £1,000)
  • - Or if you're applying for a tax refund
  • - You have taxable foreign income
  • - You or your partner are receiving child benefit, and your income is over £50,000
  • - Your claims for expenses are over £2,500
  • - You have capital gains or other allowances or credits to claim
  • - Or if HMRC has asked you to do so

Check our guide here to see who is required to submit a self-assessment tax return.

Yes, HMRC will still expect you to file a self-assessment tax return unless you tell otherwise.

If you don't, you'll be penalised - even if you don't owe any taxes.

You should notify HMRC that you are no longer self-employed by completing a tax return and indicating that it is your final one.

 

Employed and self-employed Tax calculator

Working out your take-home pay after taxes, whether you're employed, self-employed, or a combination of both, can be challenging. With our employed and self-employed take-home pay calculator, you can quickly determine how much income tax and National Insurance you owe.

How to calculate tax as an employee and self-employed?

As an employee, your employer will compute and deduct both income tax and NI contributions from your salary- known as Pas As You Earn (PAYE) system.

However, as a self-employed person, you must prepare and file your self-assessment tax return.

If you are employed and have a side business with income exceeding £1,000, you must file a Self-Assessment tax return and pay income tax and National Insurance.

For employee- PAYE and NI breakdown

These are all deducted from your salary by your employer in England and Wales every month.

Income tax

National Insurance Contributions

That's not all, though. Your employer also contributes separate employer NI contributions at 13.8%, but these will not be deducted from your income.

From April 2022, NICs will increase by 1.25%. The change will apply to:

 

For self-employed- Income tax and NI breakdown

Income tax

Income tax rates are the same for employed and self-employed individuals.

National Insurance Contributions

Experlu's employed and self-employed calculator

Our employed and self-employed take-home calculator estimates your income and national insurance tax bill based on your annual gross salary, self-employment income, and self-employment expenses. You can plan your finances more confidently as a result.

How does this calculator work?

Before the employee calculator can calculate your tax and NI, you must input certain information.

If employed, enter the annual gross salary and chose the tax year. The calculator will show your yearly take-home salary, income tax, and NI liabilities. This calculator assumes that you are on the standard tax code with personal allowance not utilised elsewhere. 

If self-employed, then enter your annual self-employment profit before tax. The calculator will show your yearly take-home income, income tax, and NI liabilities.