Tutor Tax Calculator UK 2026/27
Use this tutor tax calculator to estimate UK tax on private tutoring income, online tutoring, coaching or exam-prep work alongside PAYE employment.
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 tutor tax calculator uk
Use this tutor tax calculator to estimate UK tax on private tutoring income, online tutoring, coaching or exam-prep work alongside PAYE employment.
Enter tutoring income before expenses, then model allowable costs such as platform fees, teaching materials, travel, software or the trading allowance.
Tutoring income is commonly self-employed trading income unless it is paid through PAYE. Keep records of students, sessions, platform statements and expenses.
- 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
Tutor Tax Calculator UK examples
Example 1
Teacher tutoring in the evenings alongside PAYE employment and setting aside tax on extra profit.
Example 2
Student tutor with low annual income checking whether the trading allowance or Personal Allowance covers the activity.
Example 3
Online tutor with platform fees, lesson materials, subscriptions and a PAYE job near the higher-rate threshold.
FAQs
Do tutors need to pay tax in the UK?
Private tutors may need to pay tax if tutoring income is taxable trading income. PAYE salary and tutoring profit are considered together for Income Tax.
When should a tutor register for Self Assessment?
You normally register if gross tutoring income is over £1,000 in a tax year or if HMRC otherwise requires a tax return.
What expenses can private tutors claim?
Allowable costs may include teaching materials, platform fees, software, business-use phone or internet, and travel where they are incurred for the tutoring trade.
Can I claim DBS checks, travel or materials?
Business-related checks, travel and materials may be allowable where they are necessary for your tutoring work and not private costs.
Does PAYE income affect tutoring tax?
Yes. Your tutoring profit is added to PAYE income, so the marginal tax rate depends on your combined taxable income.
Can tutors use the trading allowance?
If eligible, you can use the £1,000 trading allowance instead of actual expenses for the same trade. If actual expenses are higher, modelling actual costs may be better.
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.
Private tutoring income and costs
Include lesson payments before agency or platform fees. Teaching materials, platform commission and allowable business travel may be deductible. Exclude personal costs and ordinary commuting. Employment through a school is PAYE income, not private trading receipts.
Worked example for 2026/27
£4,800 private lesson income less £600 allowable costs leaves £4,200 profit. With £30,000 PAYE salary, additional Income Tax is £840 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