One calculator for the UK, Canada, Australia, and New Zealand. Enter your freelance income and expenses to see net profit, income tax, National Insurance / CPP / Medicare / ACC, take-home pay, and exactly how much to set aside per invoice — all with current 2026 figures.
Pick your country, enter your gross income and expenses — the math updates live in GBP.
FreelanceEarn calculates self-employment tax for sole traders and independent contractors in the UK, Canada, Australia, and New Zealand. Enter your gross freelance income and your business expenses, and the engine applies each country's current 2026 progressive income tax brackets plus its social-security equivalent (UK National Insurance, Canadian CPP/QPP, the Australian Medicare Levy, or the NZ ACC Earner's Levy) to show your true net profit after tax.
Each country tab adds the inputs that actually matter where you live: a Scotland toggle for the UK (Scotland sets its own income tax bands), a province selector for Canada covering all 10 provinces and 3 territories, an optional personal-super field for Australia, and a KiwiSaver toggle for New Zealand. The result breaks tax down by component, shows your effective tax rate, and recommends how much to set aside from each invoice so you are not caught short when the tax bill arrives.
These are planning estimates, not a formal tax calculation. Tax rules change every year, individual circumstances vary, and some reliefs (capital allowances, specific deductions, family tax benefits) are not modelled here. Use the figure to budget and compare, then confirm exact liabilities with your country's tax authority — HMRC, the CRA, the ATO, or Inland Revenue — or a qualified accountant.
Each country collects tax during the year through instalments — miss a date and you can face interest or penalties. Here are the actual due dates for the current tax year, all in one place.
Each country has its own tax system, social-security equivalent, and payment calendar. Pick a country for a dedicated page with a pre-filled calculator, a full guide, and country-specific FAQs.
FreelanceEarn covers the United Kingdom, Canada, Australia, and New Zealand. Each country tab loads its own 2026 tax brackets, social-security equivalent (UK National Insurance, Canadian CPP/QPP, the Australian Medicare Levy, or the NZ ACC Earner's Levy), and payment calendar.
As a freelancer or sole trader you are taxed on your net profit (gross income minus business expenses), not a gross salary, and you pay both the employee and employer halves of any social-security contribution where applicable (notably Canadian CPP/QPP). You also handle your own tax payments through instalments rather than having tax withheld from a paycheck — so budgeting and setting money aside per invoice matters far more.
It depends on your country and income, but a common rule of thumb is 25–35% of net profit. This calculator shows your exact effective tax rate and a per-invoice set-aside percentage based on your actual numbers. Move that amount into a separate tax account every time you are paid so your instalment and balancing-payment dates never catch you short.
Each country has its own threshold: £90,000 turnover for UK VAT, $30,000 for Canadian GST/HST, $75,000 for Australian GST, and $60,000 for New Zealand GST. This calculator flags the threshold for your selected country based on your gross income. Once registered, the tax you collect is held in trust — it is not your income.
Yes — all brackets, allowances, and levies use the official 2026 figures from HMRC (UK), the CRA (Canada), the ATO (Australia), and Inland Revenue (New Zealand). Several rates (CPP YMPE/YAMPE, the ACC levy cap, Medicare levy thresholds) are indexed annually, so re-check each tax year. The "Last updated" date on every page shows when the data was last verified.
No. It provides planning estimates using simplified assumptions and does not model every relief, capital allowance, or personal circumstance. Confirm exact liabilities with your country's tax authority or a qualified accountant before filing or making financial decisions.
Your estimate subtracts your business expenses from your gross income to get net profit, then applies your country's 2026 income tax brackets and social-security contributions (National Insurance, CPP/QPP, the Medicare levy, or the ACC earner's levy). The result shows your take-home pay and how much to set aside per invoice.