Delivery Driver Tax Calculator UK 2026/27
Use this delivery driver tax calculator to estimate tax on self-employed courier, food delivery or parcel delivery income alongside any PAYE salary.
Income Tax uses England, Wales and Northern Ireland bands. Class 4 NI uses trading profit separately from salary. Scottish taxpayer? Use Scottish rates. Methodology and limitations · Filing deadlines
Calculated estimate
Tax Calculation Results
This estimate used Scottish income tax bands because Scotland is selected.
- Estimated take-home profit
- ~£
- Additional Income Tax
- ~£
- National Insurance
- ~£
| Main Income: | £ |
| Side Hustle Income: | £ |
| Deduction used: | £ |
| Side Hustle Profit: | £ |
| Estimated Additional Income Tax: | ~£ |
| Estimated National Insurance Contributions: | ~£ |
| Estimated Total Additional Tax (Income Tax + NI): | ~£ |
| Estimated Effective Tax Rate (Income Tax + NI): | % |
This estimates additional tax on trading profit, not your total Self Assessment bill. It excludes student loans, pensions, benefits, VAT, loss relief, tailored tax codes and Class 1/Class 4 annual NI maximum adjustments. Class 2 is not added to the bill. Payments on account may affect cash due. Check MTD assessment years and exemptions; this result does not determine eligibility.
How to use this delivery driver tax calculator uk
Use this delivery driver tax calculator to estimate tax on self-employed courier, food delivery or parcel delivery income alongside any PAYE salary.
Enter gross delivery income before expenses, then model allowable costs such as mileage or vehicle running costs, platform fees, phone costs and insurance.
The calculator estimates Income Tax and Class 4 National Insurance on profit. It does not decide whether you should use simplified mileage rates or actual vehicle costs for your records.
- Use Side Hustle Income for gross income before expenses or allowances.
- Use Side Hustle Expenses for actual allowable expenses; select the trading allowance separately if eligible.
- Use Annual Salary for your PAYE salary before tax.
Trading Allowance vs Actual Expenses
The trading allowance can exempt up to £1,000 of gross trading income. If your gross trading income is £1,000 or less, you may not need to tell HMRC, although some circumstances still require a tax return.
If gross trading income is more than £1,000, you can usually choose between deducting the £1,000 trading allowance or deducting actual allowable expenses. You cannot claim both for the same trade.
Self Assessment registration and deadlines
If you cross the £1,000 trading allowance you normally need to register for Self Assessment by 5 October after the tax year ends, and file online by 31 January after the tax year. See the main Self Assessment registration and deadlines section for year-specific dates and payments-on-account rules.
Budget for payments on account · MTD assessment years · Higher-rate tax explained
Official Sources
Delivery Driver Tax Calculator UK examples
Example 1
Food delivery rider with evening platform income, bicycle or scooter costs, phone costs and a PAYE day job.
Example 2
Courier with a PAYE role and weekend delivery income who wants to compare actual costs with the £1,000 trading allowance.
Example 3
Higher-volume driver checking gross income against Making Tax Digital thresholds before deciding what bookkeeping software may be needed.
FAQs
Can delivery drivers claim mileage or vehicle costs?
Self-employed delivery drivers can usually claim allowable travel or vehicle costs for business use, but you need consistent records and should not double-count simplified mileage and actual vehicle costs.
Are platform fees deductible?
Platform, app or payment processing fees are usually business costs if they relate to taxable delivery work.
Can I claim phone costs?
You can usually claim the business-use portion of phone and data costs where they are used for delivery work.
Do I need special insurance for delivery work?
Insurance is a practical and tax-record issue. Business or hire-and-reward cover may be required, and business-use insurance costs may be allowable.
When should delivery drivers register for Self Assessment?
You normally register if gross self-employed delivery income is over £1,000 in the tax year, even if profit after expenses is lower.
Do payments on account apply to delivery drivers?
They can apply if your Self Assessment bill is at least £1,000 and 80% or less of the tax was collected at source.
More Side Hustle Tax Calculators
Compare other side-hustle scenarios using the same privacy-safe calculator. If you also want a general view across PAYE plus any additional earnings, use the UK extra income tax calculator.
Courier income and expenses
Keep delivery fees and tips in gross trading income. Allowable costs can include business-use vehicle costs or eligible simplified mileage, delivery insurance, platform fees and business-use phone costs. Do not claim both simplified mileage and the same vehicle running costs.
Worked example for 2026/27
£9,000 delivery income less £2,400 allowable costs leaves £6,600 profit. With £30,000 PAYE salary, additional Income Tax is £1,320 and Class 4 NI is £0 under England, Wales and Northern Ireland rates.
2026/27 rates used by this calculator
Standard Personal Allowance: £12,570. It reduces by £1 for every £2 of income above £100,000. Pension and other adjustments are outside this estimate.
| Band | Band width after Personal Allowance | Income Tax rate |
|---|---|---|
| Basic | First £37,700 | 20% |
| Higher | Next £87,440 | 40% |
| Additional | Remaining taxable income | 45% |
Class 4 NI is 6% on annual self-employed profit above £12,570 up to £50,270, then 2% above £50,270. PAYE salary does not consume these profit bands. The estimate does not apply Class 1/Class 4 annual maximum adjustments.
Class 2 is treated as paid at profits of £7,105 or more; below this, voluntary Class 2 is £3.65 per week. It is not included in the calculated bill.
Income Tax rates · Scottish rates · Current and archived NI rates