Tax on £12,000 self-employed

Quick answer

If you're self-employed with a profit of £12,000, your total tax bill for 2026/27 is £190 — leaving £11,810 after Income Tax and National Insurance.

Reviewed by TaxFly Editorial Team How we calculate

Total tax & NI

£190

you keep £11,810 (98.4%)

Add expenses & payments on account

Profit: £12,000
Income Tax: − £0
Class 4 NI: − £0
Class 2 NI: − £190
After tax: £11,810

How much tax on £12,000 self-employed?

On a self-employment profit of £12,000, you pay £0 Income Tax, £0 Class 4 National Insurance and £190 Class 2 NI, a total of £190 for 2026/27. That leaves you with £11,810 — 98.4% of your profit.

Profit means your income after allowable business expenses. These figures assume no other income and the standard Personal Allowance — set those on the self-employed tax calculator.

How self-employed tax is worked out

You get a £12,570 tax-free Personal Allowance, then Income Tax on the rest. National Insurance is separate: Class 4 at 6% on profit between £12,570 and £50,270 (2% above), plus a flat Class 2 charge once profit passes the small-profits threshold. Remember to set aside money for payments on account — HMRC asks for next year's tax in advance.

Other profit levels

Tax on £20,000 Tax on £30,000 Tax on £40,000 Tax on £50,000 Tax on £60,000

Frequently asked questions

About £190 in total for 2026/27 — £0 Income Tax plus £190 National Insurance — leaving £11,810.

Yes — it includes Class 4 NI (£0) and Class 2 NI (£190) as well as Income Tax.

On profit — your income after allowable business expenses. Deducting more expenses lowers the tax.