📋 Self Assessment Tax Calculator

What's your Self Assessment bill for 2025/26?

Calculate your income tax and National Insurance in seconds. Enter your income sources, pension contributions and student loan — we'll do the rest.

📅 2025/26 📈 Income Tax & NI 🏦 Pension Relief 📚 Student Loan

£0Gross Income

£0Income Tax

£0Nat. Insurance

£0Total Tax

£0Take-Home

Calculator

Self Assessment Calculator 2025/26

Enter your income from all sources. We'll calculate income tax across all bands, Class 4 National Insurance for the self-employed, pension tax relief and any student loan repayments.

📋 Income & Deductions

Income Sources

Self-Employment / Sole Trader Profit

£

Net profit after allowable business expenses

Employment Income (PAYE Salary)

£

Gross salary before tax (tax already deducted via PAYE)

Dividend Income

£

Rental / Property Income

£

Gross rental income before expenses

Savings Interest

£

Interest from savings accounts, bonds etc. — Personal Savings Allowance applied automatically

Other Taxable Income

£

Any other taxable income not listed above

Deductions & Reliefs

Pension Contributions (personal, gross)

£

SIPP or personal pension contributions — basic rate relief is added automatically

Student Loan Plan

Location

Tax & NI Breakdown

2025/26 — England, Wales & NI

📈

Total Gross Income

All sources combined

£0

✅

Personal Allowance

Standard: £12,570

£12,570

🏦

Pension Relief

Reduces taxable income

£0

📋

Taxable Income

After allowances & relief

£0

💵

Total Income Tax

Across all bands

£0

✅

Annual Take-Home

≈ £0/month

£0

Income Tax Band Breakdown

How your income tax is calculated across each band

Band	Range	Rate	Taxable	Tax

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⚠️ This calculator provides estimates for 2025/26 based on confirmed HMRC rates. It covers Class 4 NI for self-employed individuals only — Class 2 NI (where applicable) is not included. PAYE income is shown gross; tax already deducted at source is not modelled here. Pension contributions assume basic rate relief at source. Student loan repayments are approximate. Figures do not account for all possible allowances, reliefs or surcharges. This is not financial or tax advice — please consult a qualified adviser.

1. Who We Are

HOMF Accounting Limited (“we”, “us”, “our”) is a company registered in England and Wales. We provide accounting & tax services to sole traders, small businesses and limited company directors. Contact us at info@homfaccounting.co.uk.

2. What Information We Collect

Identity data — your name, business name, and job title
Contact data — your email address, phone number, and postal address
Financial data — business turnover, tax information, and other financial details
Technical data — IP address, browser type, and pages visited
Communications data — emails, messages, and notes from our interactions
Marketing preferences — your preferences for receiving communications from us

3. How We Collect Your Information

Quote request and contact forms on our website
Direct correspondence by email, phone, or WhatsApp
Our accounting and practice management software
Referral submissions from existing clients
Automatically via cookies and analytics tools

4. How We Use Your Information

To provide and manage accounting & tax services
To respond to enquiries and quote requests
To comply with our legal and regulatory obligations
To send service-related communications and reminders
To improve our website and services
To process referrals and reward payments

5. Our Legal Basis for Processing

Contract — processing necessary to perform the services you have engaged us for
Legal obligation — to comply with HMRC and other regulatory bodies
Legitimate interests — to respond to enquiries and manage our business
Consent — where you have given explicit consent for marketing communications

6. Who We Share Your Information With

We do not sell your personal data. We may share it with HMRC, Companies House, cloud accounting software providers, practice management software, payment processors, and professional advisers where necessary.

7. How Long We Keep Your Data

Client records — 7 years from the end of the client relationship
Enquiry and quote data — 12 months if no engagement follows
Website analytics — up to 26 months

8. Your Rights

Under UK GDPR you have the right to access, rectify, erase, restrict, port, and object to processing of your personal data. To exercise any of these rights, contact us at info@homfaccounting.co.uk.

9. Cookies

Our website uses cookies to understand how visitors use our site and to improve the user experience. You can control cookies through your browser settings.

10. Security

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or disclosure.

11. Complaints

If you are unhappy with how we have handled your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at ico.org.uk.

1. About Us

These terms and conditions govern your use of the HOMF Accounting Limited website and the provision of accounting and tax services. By using our website or engaging our services, you agree to these terms. Contact us at info@homfaccounting.co.uk.

2. Our Services

HOMF Accounting Limited provides accounting, tax preparation, bookkeeping, and related financial services to sole traders, small businesses, and limited company directors.

3. Engagement and Contract

A contract is formed when we issue and you accept an engagement letter, or when we confirm in writing that we have agreed to provide services to you.

4. Your Responsibilities

Provide accurate, complete, and timely information and documentation as requested
Notify us promptly of any changes to your business or personal circumstances
Review and approve all accounts, returns, and documents before submission
Meet all agreed deadlines
Respond promptly to queries and requests for information

5. Fees and Payment

Invoices are payable within 14 days of the invoice date
We reserve the right to charge interest on overdue invoices at 8% per annum above the Bank of England base rate
We reserve the right to suspend services if invoices remain unpaid after 30 days
All fees are exclusive of VAT where applicable

6. Confidentiality

We will keep your information confidential and will not disclose it to any third party without your consent, except where required by law or professional obligation.

7. Intellectual Property

All content on this website is owned by or licensed to HOMF Accounting Limited. You may not reproduce or use any content for commercial purposes without our prior written consent.

8. Limitation of Liability

Our liability to you is limited to the fees paid by you for those specific services in the 12 months preceding the claim. We will not be liable for any indirect or consequential losses.

9. Professional Standards

HOMF Accounting Limited operates in accordance with applicable UK accounting and tax legislation. Our work is based on the information you provide to us.

10. Website Use

The information on this website is provided for general guidance only and does not constitute professional advice.

11. Referral Programme

Referral rewards are paid at our discretion and are only due where a referred individual becomes a paying client. We reserve the right to amend or withdraw the referral programme at any time.

12. Termination

Either party may terminate the engagement by giving reasonable written notice. All outstanding fees for work completed become immediately payable on termination.

13. Governing Law

These terms and conditions are governed by the laws of England and Wales.

14. Changes to These Terms

We may update these terms from time to time. Continued use of our services following any update constitutes acceptance of the revised terms.