Tax year 2026/27 — updated for current HMRC rates
Free tools for
UK freelancers
Accurate tax calculators, business tools, and financial planning — built specifically for sole traders, contractors, and limited company directors.
Popular tools
No signup required. Instant results.
Take-Home Pay Calculator
Compare your take-home pay as a sole trader vs limited company. See exactly what you keep after tax, NICs, and dividends.
Day Rate Calculator
Work out the day rate you need to charge to match a permanent salary — accounting for holidays, sick days, pension, and tax.
IR35 Status Checker
Assess your IR35 status with a clear, guided questionnaire based on HMRC criteria.
VAT Registration Checker
Track your turnover against the VAT threshold and model the impact of voluntary registration.
Quarterly Tax Estimator
Estimate your quarterly payments on account so you're never caught short by HMRC.
Dividend vs Salary Optimiser
Find the optimal salary/dividend split for limited company directors to minimise tax.
Freelancer Pension Calculator
See how much you need to save for retirement when there's no employer contribution.
Business Expense Checker
Find out which expenses you can claim as a freelancer — with HMRC-compliant explanations.
Mortgage Calculator for Self-Employed
Find out how much you can borrow as a freelancer. Stress test, borrowing capacity, and tips for self-employed applicants.
Mileage Allowance Calculator
Calculate your HMRC mileage claim and compare simplified rates vs actual vehicle costs.
Working From Home Allowance
Calculate your WFH tax relief. Compare HMRC simplified flat rates vs actual costs for sole traders, directors, and employees.
UK Invoice Generator
Create professional, legally-compliant UK invoices and download as PDF. No signup — your details save locally.
2026/27
Current HMRC rates
100%
Free, no signup
4M+
UK self-employed people