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Pricing Calculator

Set your hourly rate and see what you'll actually keep after UK income tax and National Insurance — so you stop undercharging.

Your numbers

A typical full-time freelance week is 35–40 hours.

Leave 4 weeks for holidays and admin.

Software, equipment, courses — anything you can claim. We subtract these before tax.

Your take-home estimate

—

Gross income (before expenses)—
Business expenses—
Taxable profit—
Income tax—
National Insurance (Class 4)—
You keep per year—

How to use this

  • Aim for a take-home that covers your salary, tax and a buffer.
  • If the number feels low, raise your rate — most clients pay more than you expect to charge.
  • Re-run this whenever you add expenses or change hours.

England, Wales & Northern Ireland rates. Scotland has its own income tax bands, so Scottish residents' figures will differ slightly.

Estimates use 2026/27 UK rates for England, Wales and Northern Ireland: personal allowance £12,570 (tapered above £100k), basic rate 20%, higher rate 40% from £50,270, additional rate 45% from £125,140, and Class 4 NI at 6% / 2%. Scotland has different income tax bands. This is a guide, not accounting advice.