Free tool · 2025/26 and 2026/27
How much should I set aside for tax?
A rough monthly figure for sole traders, landlords and company directors, so January's bill isn't a shock.
Scottish rates apply to salary, profits and pensions. Dividends and National Insurance are the same across the UK.
Rates for 2026/27 as announced in the Autumn Budget 2025.
Enter your expected profit for the year to see roughly what to put aside.
Get a reminder before each payment date, free.
Track my deadlinesWhat this includes
Income Tax for 2025/26 or 2026/27. Salary, profits and pensions use the England, Wales and Northern Ireland bands (personal allowance £12,570, 20%, 40% and 45%, with the allowance tapering above £100,000), or the Scottish bands for 2025/26 and 2026/27 (19%, 20%, 21%, 42%, 45% and 48%).
Sole traders and landlords: Class 4 National Insurance on self-employed profit (6% up to £50,270, 2% above).
Directors: tax on dividends above the £500 dividend allowance, at 8.75%, 33.75% and 39.35% for 2025/26, and 10.75%, 35.75% and 39.35% for 2026/27 (as announced in the Autumn Budget 2025). Payroll takes the tax and National Insurance on your salary, so the figure is what's left to pay through Self Assessment.
It leaves out savings interest, student loans, VAT, Corporation Tax and employer National Insurance paid by your company, benefits in kind, the marriage allowance, and any reliefs such as pension contributions or Gift Aid. Treat it as a guide for saving, not a tax calculation.
General information, not tax advice. See Income Tax rates on GOV.UK and Tax on dividends.