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Overview
Demo data — Tax Year 6 April 2026 – 5 April 2027
Total Income
£45,000
Expenses
£1,087
Net Profit
£43,913
Income tax + NI (est.)
£8,149
Start with my own records
Tax Estimator 2026/27
Region
England, Wales & Northern Ireland
Scotland
Annual Income —
£45,000
Student Loan
None
Plan 1 — £26,900
Plan 2 — £29,385
Plan 4 (Scotland) — £33,795
Plan 5 — £25,000
Postgraduate — £21,000 (6%)
Personal Allowance
£12,570
Taxable Income
£32,430
Basic Rate (20%)
£6,486
Total Income Tax
£6,486
NI Class 4 (6%/2%)
£1,946
Net Take-Home (18.7% effective rate)
£36,568
Recent Expenses
Adobe Creative Suite
Software · 2026-05-01
£599
Allowable
Client meeting — London
Travel · 2026-05-08
£84
Allowable
Mechanical keyboard
Equipment · 2026-06-12
£129
Allowable
Accountant consultation
Professional · 2026-06-15
£200
Allowable
Instagram ads
Marketing · 2026-07-20
£75
Allowable
Lunch with a client
Entertainment · 2026-07-24
£48
Not allowable