UK tax calculator — employed plus self-employed income
Estimate combined tax and National Insurance when you have both PAYE salary and self-employed profit. For the 2026/27 tax year.
How is tax calculated on mixed PAYE and self-employed income?
Your total taxable income is salary plus self-employed profit. The 2026/27 personal allowance (£12,570) applies once across both sources. Income tax bands run as normal — 20% / 40% / 45% — at the combined income level. PAYE through your employer covers your salary income tax and Class 1 NI (8% above £12,570 employee, 15% employer above £5,000). Self-employed profit pays Class 4 NI at 6% (between £12,570 and £50,270) and 2% above, plus income tax via Self Assessment. The calculator combines both sides for the realistic year-end position.
Practical guidance for real-world mixed-income situations.
Tax Year & Region
Employment Income
Your income from employment before tax.
Self-Employed Income
Your side income, freelance income, or sole trader income outside PAYE.
Self-Employed Profit (auto-calculated)
£28,000.00
Other Settings
Enter your salary and side-income details to estimate your combined tax position.
Need help with your salary and side-income tax?
RR Accountants helps employees, freelancers, and side hustlers understand self-assessment, track expenses properly, and avoid surprises when extra income starts affecting tax.
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What this calculator helps you understand
Combined Tax Position
See how salary and self-employed profit interact for tax.
Side-Income Impact
Understand how freelance or side-hustle earnings can increase your overall liability.
Expenses Matter
Reduce self-employed profit by including allowable business expenses.
Self-Assessment Context
Use the estimate as a planning tool before filing.
This tool provides a practical estimate based on selected assumptions. Actual outcomes depend on records, tax code, allowances, income mix, and wider personal circumstances.
Frequently Asked Questions
Need help with self-assessment, side income, or tax planning?
RR Accountants supports employees, sole traders, freelancers, and growing businesses with self-assessment returns, bookkeeping, VAT, payroll, and practical tax advice.