What should you charge
per session?
Pick what you want to calculate, then drag the inputs. The tool solves for your chosen variable and shows your true take-home pay after UK tax, National Insurance, and pension contributions.
Per session
Annual salary
£40,000
Tax & NI (Class 1)
£9,700
Annual take-home
£30,300
Monthly take-home
£2,525
Annual revenue
£125,000
Annual expenses
£15,000
Tax & NI
£36,889
Monthly cash take-home
£6,093
Combined income
£150,000
Total tax & NI
£46,589
Annual take-home
£103,411
Monthly take-home
£8,618
Your practice profit stacks on top of your PAYE for tax. The Private practice tax shown is the additional you\u2019ll owe via Self Assessment on top of what your employer already deducts.
How your required session price changes as you take on more or fewer sessions per week. The marker shows where you sit now.
How “solve for” works. The tool always honours the equation price × delivered sessions = profit + expenses. Pick which variable to calculate; the others become inputs. The chosen variable's slider is highlighted and inactive, and shows the computed value with a “Calculated” tag.
Tax basis. Figures use UK 2026/27 Income Tax and Class 4 National Insurance rates for England, Wales, and Northern Ireland. Scottish Income Tax rates differ. The personal allowance taper between £100,000 and £125,140 is handled. Class 2 NICs are no longer compulsory and are not included.
Pension treatment. Contributions are modelled gross. The 20% basic rate relief is added by the pension provider; higher and additional rate relief is delivered by extending both the basic rate band and the higher rate threshold (which also restores personal allowance when contributions reduce adjusted net income below £100k). Class 4 NI is not reduced by pension contributions for sole traders. The £60k slider max reflects the standard 2026/27 annual allowance; if your adjusted income exceeds around £260k your allowance may be tapered down to as little as £10k, which isn't modelled here — a specialist would need to check your position.
PAYE + self-employed. When you enable the PAYE toggle, the tool stacks your self-employed profit on top of your salary for tax purposes. The tax and NI shown are what you\u2019ll owe via Self Assessment on the SE side — not what a sole trader with no other income would pay. Class 1 NI on your salary is already deducted by your employer and is only used to estimate combined take-home. HMRC\u2019s annual NI maximum rule (which can trigger a small refund at very high combined incomes) is not modelled.
Assumptions. Profit means taxable profit (revenue minus allowable expenses). No other income, no student loan, no other tax-affecting circumstances. Expenses are 100% allowable. Your slider settings and solve-for mode persist between visits.
Not financial advice. Run your real numbers past an accountant before acting on them.