Fill in what applies, then click Work out my bill. Leave the rest blank.
Result
The numbers
| Item | Amount |
|---|
What to do
| Step | What it means |
|---|
What it does, and what it leaves to you
- Covers: employment pay with PAYE already deducted, self-employed profit with the trading allowance or real expenses, UK property profit with the property allowance or the mortgage interest credit, savings (starting rate and Personal Savings Allowance), dividends (Dividend Allowance), personal pension and Gift Aid band extension, the personal allowance taper, Class 4 NIC, student and postgraduate loans, and payments on account.
- Gives: total income, tax by type, the 31 January balance, the payments on account, effective and marginal rate, and what an extra pension contribution or donation would save.
- Not decided: Scotland, capital gains, losses, foreign income, the marriage allowance, the High Income Child Benefit Charge, tax codes, other tax years, and anything that changed after this was written. Your return is yours to file; have an accountant or HMRC check it.
Common questions
How do I work out my Self Assessment tax bill for 2025/26?
Add up your income: employment pay, self-employed profit (income less expenses or the £1,000 trading allowance), property profit, savings interest and dividends. Take off the personal allowance, tax non-savings income first, then savings, then dividends, add Class 4 National Insurance on self-employed profit and any student loan, then subtract the tax already paid through PAYE. The result is due by 31 January 2027.
What are payments on account?
If your Self Assessment bill (income tax and Class 4 National Insurance, after tax paid at source) is £1,000 or more and less than 80% of your liability was collected at source, HMRC asks for two advance payments towards next year, each half of this year's bill, on 31 January and 31 July. The first falls on the same day as the balance, so the January bill can be about 150% of your tax.
Do I pay tax on the first £1,000 of side income?
No, if it is trading income. The £1,000 trading allowance relieves your first £1,000 of self-employed income instead of your actual expenses, whichever is better. Property income has its own separate £1,000 allowance.
How much is Class 4 National Insurance?
6% on self-employed profit between £12,570 and £50,270 and 2% above that for 2025/26. Class 2 is no longer compulsory.
How are savings interest and dividends taxed?
After your other income. You can have up to £5,000 of savings interest at 0% if your other taxable income is small, a Personal Savings Allowance of £1,000 (basic rate) or £500 (higher rate), and a £500 Dividend Allowance. Dividends above that are taxed at 8.75%, 33.75% or 39.35%.
Is my data uploaded anywhere?
No. Everything is calculated in your browser and nothing is sent.