Self Assessment Tax Estimator 2026/2027

  • Use this calculator if: you have more than one personal income source — a salaried job plus a side hustle, salary plus rental property, pension drawdown plus dividend portfolio, etc. It applies HMRC's Self Assessment ordering (PA → non-savings → dividends) and totals income tax + Class 1 NI + Class 4 NI.
  • Single income source? Use a dedicated calculator instead: PAYE for employment, Sole Trader for self-employment only, Dividend for investments only.
  • Run your own Limited Company? The two calculators are complementary, not duplicates: the Limited Co calculator models the company side (Corporation Tax + Employer NI + what salary/dividends you draw, with optimal-split). Then use this SA estimator to add up other personal income that lives outside the company — rental property, external share dividends, freelance side hustle, pension drawdown.
  • Trading allowance (£1,000) is applied automatically to self-employment when it beats your actual expenses.
  • Enter rental income net of allowable expenses. UK property is taxed as non-savings income; foreign rental belongs in "Other".
  • ISA / pension dividends are tax-free — don't include them. Only General Investment Account (GIA) dividends are taxable here.
  • Not yet modelled in v1: savings interest with Personal Savings Allowance, High Income Child Benefit Charge, Payments on Account cash-flow timing, Capital Gains Tax. See HMRC SA guidance.
Self Assessment Estimator

For people with multiple income streams who file a UK Self Assessment return. Combines salary (PAYE), self-employment profit (with Class 4 NI), rental income, dividends and other taxable income into a single total tax estimate.

Applies HMRC's standard ordering and the same per-year rates as the dedicated single-source calculators — results match the sum of them when used in tandem.

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How this Self Assessment estimator works

Self Assessment combines all your income sources into a single tax calculation. Enter any mix of PAYE salary, self-employment profit, dividends, rental income, savings interest or other income — the calculator applies the correct HMRC ordering rules, stacks the sources across the tax bands, and shows the total income tax and National Insurance owed for the year.

Payments on account: HMRC requires most self-employed taxpayers to make two advance payments toward next year's bill — 50% due in January and 50% in July. The estimator shows your projected payments on account alongside the current-year balancing payment so you can plan your cash flow and avoid January surprises.

This is an estimate based on the figures you enter. It does not account for specific reliefs, losses carried forward or adjustments unique to your return. For a final figure, use HMRC's online Self Assessment service or consult a qualified UK accountant.