UK sole traders
Work out the figures before you file.
Take-home pay, VAT, Making Tax Digital and payments on account, using the rates GOV.UK publishes. The sums run in your browser. This is not HMRC, and it is not advice on your own tax.
- Personal Allowance, 2026/27
- £12,570
- Class 4 between the limits
- 6%
- VAT registration
- More than £90,000
- MTD if 2024/25 income was over £50,000
- Already started, 6 April 2026
Calculators
- Take-home pay Profit after Income Tax and Class 4, for England, Wales, Northern Ireland and Scotland.
- VAT Add or remove 20%, 5% or 0%, and test the registration threshold.
- Making Tax Digital Which start date your gross self-employment and property income points to.
- Payments on account The January and July payments, including GOV.UK's £3,000 example.
Guides
- MTD for Income Tax explained Plain English, with the calculator and the GOV.UK page it relies on.
- Expenses sole traders can claim Plain English, with the calculator and the GOV.UK page it relies on.
- How to register as self-employed Plain English, with the calculator and the GOV.UK page it relies on.
- When to register for VAT Plain English, with the calculator and the GOV.UK page it relies on.
- How payments on account work Plain English, with the calculator and the GOV.UK page it relies on.
How the numbers are kept
Rates, thresholds and dates live in one file per tax year, with the VAT and Making Tax Digital rules beside them. They were checked against GOV.UK on 15 November 2026. Where a figure is not on those pages, the page says so. Nothing here is a personalised tax calculation, and nothing you type is stored.
Accounting software for sole traders is a comparison template. The links are marked TODO until real affiliate addresses are added. The calculators do not change because of them.