Home/Calculators/Employed & Self-Employed Tax Calculator
2026/27 Tax YearHMRC Rates

Employed & Self-Employed Tax Calculator

Calculate your total tax if you have both employed and self-employed income. See how income tax and National Insurance apply across both income streams.

HMRC Compliant
Updated May 2026
Combined Tax Calculation
Employed Income
Self-Employed Income
Pension Contributions
Annual Take Home Pay
£38,320

£3,193 per month | Effective rate: 18.5%

Income Breakdown
Employed Salary£35,000
Self-Employed Profit£12,000
Total Income£47,000
Tax & NI Breakdown
Income Tax£6,886
Employee NI (Class 1)£1,794
Self-Employed NI (Class 2)£0
Self-Employed NI (Class 4)£0
Total Tax & NI£8,680
How Combined Income Tax Works

When you have both employed and self-employed income, all your income is added together to determine your tax band. Your Personal Allowance is used against your employed income first.

Income Tax: Calculated on your combined income after deducting the Personal Allowance and any allowable expenses.

National Insurance: Employee NI (Class 1) is calculated only on your employed salary. Self-employed NI (Class 2 and Class 4) is calculated only on your self-employed profits.

Self Assessment: You must submit a Self Assessment tax return if you have self-employed income over £1,000.