📋 Self Assessment · 2025/26 Tax Year

Self Assessment Tax Bill Estimator

Estimate your Self Assessment tax bill for 2025/26 including Income Tax across all sources, Class 4 National Insurance, Payments on Account, and your January balancing payment. Covers self-employment, rental, dividends, savings interest and more. For official figures use the HMRC Self Assessment estimator on GOV.UK →

⚙️ Settings

Tax year

Region

Blind Person’s Allowance?

Marriage Allowance

💰 Income Sources — Enter all income for the tax year

🏢 Employment Income (from P60/P45)

Gross employment income (£) Total salary/wages before deductions

Tax already paid via PAYE (£) From P60 / P45

Employee pension (£) Pre-tax pension deductions in employment

Benefits in Kind / P11D (£) Company car, medical insurance, etc.

🧑‍💼 Self-Employment / Sole Trader

Gross self-employment income (£) Total turnover from all self-employed work

Allowable business expenses (£) All allowable costs to deduct from income

Capital allowances (£) AIA, first year allowances on equipment

Use Trading Allowance instead? £1,000 flat deduction instead of actual expenses

🤝 Partnership Income

Share of partnership profit (£) Your allocated share after all partnership expenses

🏠 UK Property / Rental Income

Gross rental income (£) Total rent received before expenses

Allowable property expenses (£) Repairs, agent fees, insurance — not capital costs

Finance costs / mortgage interest (£) Restricted to 20% basic rate relief since 2020

Use Property Allowance instead? £1,000 flat deduction — cannot use with expenses

📌 Rent-a-Room Scheme If you rent a room in your own home, the first £7,500 of rental income is tax-free. This calculator does not apply Rent-a-Room automatically — if eligible, enter only income above £7,500.

📈 Dividend Income

UK dividends received (£) Total dividends from UK companies/funds

Foreign dividends (£) Dividends from overseas companies/funds

📌 Dividend Allowance 2025/26: £500 Rates: 8.75% (basic rate) · 33.75% (higher rate) · 39.35% (additional rate)

🏦 Savings & Interest Income

Bank / building society interest (£) Gross interest before tax — usually paid gross now

Other savings income (£) Peer-to-peer, gilts, bonds interest etc.

📌 Personal Savings Allowance 2025/26 Basic rate taxpayer: £1,000 tax-free · Higher rate: £500 tax-free · Additional rate: £0
Starter rate on savings: up to £5,000 at 0% if non-savings income is below £17,570

🏅 Pension & Annuity Income

State pension received (£/yr) Full new State Pension 2025/26: £11,973

Private/occupational pension (£) Gross income from company or personal pension

➕ Other Taxable Income

Foreign income (£) Income from overseas employment or other foreign sources

Trust / estate income (£) Income from trusts, estates or settlements

Other taxable income (£) Any other taxable amounts not listed above

🔻 Reliefs & Deductions

Pension Contributions (Personal)

Personal pension contributions (£) Net contributions to SIPP/personal pension (Relief at Source)

Gross pension relief claimed (£) If your pension adds basic rate tax relief automatically

Gift Aid Donations

Gift Aid donations (£) Total net donations made with Gift Aid declarations

Carry back to previous year?

📌 How Gift Aid Works Basic rate relief is given to the charity. Higher/additional rate taxpayers claim the extra relief (20%/25%) through SA. The basic rate band is extended by the grossed-up donation amount.

Other Reliefs

Qualifying loan interest (£) Interest on loans for business or buy-to-let

Losses brought forward (£) Trading losses from prior years to offset

💳 Payments Already Made

📌 What to enter here Enter any payments on account you’ve already made for this tax year. These will be deducted from your final bill to show your balancing payment due in January.

1st Payment on Account (£) Paid 31 January 2025

2nd Payment on Account (£) Paid 31 July 2025

Tax deducted at source (£) Savings interest / trust income tax deducted

📊 2025/26 Tax Rate Reference

Income Tax — England/Wales/NI

Band	Taxable Income	Rate
Personal Allowance	Up to £12,570	0%
Basic Rate	£12,571 – £50,270	20%
Higher Rate	£50,271 – £125,140	40%
Additional Rate	Over £125,140	45%

Dividend Tax Rates

Band	Rate	Notes
Dividend Allowance	0%	First £500
Basic Rate	8.75%	Within basic band
Higher Rate	33.75%	Within higher band
Additional Rate	39.35%	Above £125,140

Class 4 NI — Self-Employed

Profits	Rate	Annual (2025/26)
Below Lower Profits Limit	0%	Below £12,570
Main Rate	6%	£12,570 – £50,270
Above Upper Profits Limit	2%	Above £50,270

📌 Class 2 NI Abolished Class 2 NI was abolished from 6 April 2024. Self-employed individuals with profits above £12,570 automatically receive NI credit without paying Class 2.

⚠️ Disclaimer This calculator is for estimation only. It does not cover all SA scenarios including foreign tax credits, complex trust income, EIS/SEIS relief, VCT relief, high income child benefit charge, pension annual allowance charges, or prior year adjustments. Always file using HMRC’s own Self Assessment system or a professional accountant. HMRC SA Tax Estimator →

📋 Your SA Tax Bill Estimate

Tax Year 2025/26

📋

Fill in your income sources and click Calculate My Tax Bill to see your full Self Assessment breakdown.

MD. RAKIB HASSAN

Accounting, Compliance, VAT & Tax Expert (UK & BD) in Sylhet, Bangladesh

Self Assessment Tax Calculator

Self Assessment Tax Bill Estimator