Business & Self-Employed Calculators

28 free calculators · Updated for 2026/27

Small firms, contractors and freelancers meet the same recurring questions about tax, pricing and whether the business can pay its bills next month. Business calculators deal with company and self-employed tax, VAT, payroll and the cost of taking on staff, alongside margins, break-even and cash flow, so a trading structure, a day rate or a price for a job can be tested before it is fixed.

Which structure leaves more in your pocket at a given profit is the question behind the Sole Trader vs Limited Company Calculator, and the Dividend vs Salary Calculator then finds the mix a director should take. The VAT Threshold Monitor tracks rolling turnover against the registration threshold, the VAT Return Calculator sets output VAT against input VAT to show what is due or refundable, and the Employee Cost Breakdown Calculator gives the real cost of a hire once National Insurance, pension, training and equipment are counted.

S

Sole Trader Tax Calculator

2026-27

Calculate income tax and Class 4 NI for sole traders and self-employed individuals.
C

Contractor Day Rate Calculator

Calculate the minimum day rate needed to achieve your target take-home pay. Inside and outside IR35.
P

Payroll Calculator — UK PAYE & NI

Run a monthly payroll calculation showing payslip breakdown, tax, NI, pension and employer costs.
S

Sole Trader vs Limited Company Calculator

Compare take-home pay as a sole trader vs limited company director. See full tax breakdown for both.
S

Sole Trader vs Ltd Comparison Table

Side-by-side take-home pay comparison at 7 different profit levels (£20K-£100K).
P

Profit & Loss Calculator

Build a simple P&L statement. Enter revenue, COGS and overheads to see gross and net profit margins.
I

IR35 Take-Home Pay Calculator

Compare your take-home pay inside and outside IR35 as a contractor working through a limited company.
D

Dividend vs Salary Calculator

2026-27

Find the most tax-efficient mix of salary and dividends for limited company directors.
B

Break-Even Calculator

Calculate the break-even point in units and revenue. Find your contribution margin.
P

Profit Margin & Markup Calculator

Calculate profit margin, markup percentage and selling price from cost and revenue.
D

Depreciation Calculator

Calculate asset depreciation using straight-line or reducing balance methods with a year-by-year schedule.
V

VAT Return Calculator

Calculate your VAT return — output VAT on sales vs input VAT on purchases. See amount due or refund.
L

Late Payment Interest Calculator

Calculate statutory interest and compensation on overdue commercial invoices under UK law.
B

Business Rates Calculator

Estimate 2026/27 business rates from rateable value, with the new retail, hospitality and leisure multipliers, small business relief, Wales and Scotland.
R

R&D Tax Credit Calculator

Estimate R&D tax credits for profitable and loss-making companies under the merged RDEC scheme.
C

CIS Subcontractor Tax Calculator

Work out CIS deductions on a subcontractor invoice at 20% registered, 30% unverified or 0% gross status, with materials excluded and the net payment due.
V

VAT Threshold Monitor

Track your rolling 12-month turnover against the £90,000 VAT registration threshold. See headroom remaining.
C

Capital Allowances Calculator

Calculate AIA, Full Expensing or Writing Down Allowance on business assets. See year-by-year tax relief.
C

Cash Flow Calculator

Project monthly cash flow with income and expenses. See closing balance and lowest point.
A

Annual Investment Allowance Calculator

Calculate AIA tax relief on plant & machinery spending. 100% deduction on first £1M.
B

Business Mileage Log Calculator

Log business trips with dates and mileage. Calculate HMRC mileage allowance claim automatically.
M

MTD Readiness Checklist

Trending

Score your Making Tax Digital readiness across 10 checks, from software to quarterly updates due on the 7th, and see what to fix before the next deadline.
A

Apprenticeship Levy Calculator

Calculate apprenticeship levy at 0.5% of pay bill over £3M. See the monthly levy and the training fund it gives you.
I

Invoice & Job Profit Calculator

Calculate profit margin and markup on jobs. Add VAT and generate invoice total.
E

Employee vs Contractor Calculator

Compare take-home pay as an employee vs contractor for the same total cost to the hiring company.
E

Employee Cost Breakdown Calculator

Calculate true cost of employment including NI, pension, training, equipment and recruitment.
C

Contractor vs Permanent Salary Calculator

Compare contractor day rate vs permanent salary. See the premium needed to match perm benefits.
F

Freelance Quote Calculator

Build a quote from hourly rate, hours and materials. Add profit margin and VAT.