UK Freelance Rate Calculator 2025/26
Find out exactly what day rate you need to charge to hit your income goals. Includes UK Income Tax and National Insurance calculations for 2025/26.
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This calculator provides estimates based on UK 2025/26 tax rates. For personalised advice, consult a qualified accountant.
You need to charge
£381/day
or £48/hour · 188 billable days/year
Where your money goes
Take home£49,999 (70%)
Corporation Tax£14,005 (20%)
Dividend Tax£4,587 (6%)
Business expenses£3,000 (4%)
Total revenue needed£71,591/year
Assumes £12,570 salary (personal allowance) with remaining profits taken as dividends. Your accountant may recommend a different strategy.
Already have a rate in mind?
£
This calculator provides estimates based on UK 2025/26 tax rates.
For personalised advice, consult a qualified accountant.
Frequently asked questions
Start with your target annual take-home income, then work backwards. Add your estimated business expenses, calculate the tax you'll owe (Income Tax and National Insurance for sole traders, or Corporation Tax and Dividend Tax for limited companies), and divide by your realistic number of billable days per year. Most freelancers can bill around 180-220 days after accounting for holidays, sick days, and time spent on admin and marketing.
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