Resource · Optimise
Creator calculators.
Quick, approximate answers to the money questions creators ask most. Change the numbers and the results update instantly.
Want us to run it for you? It's part of the Creator CFO Partnership. See Optimise and Protect on our Services page.
How much should I set aside?
Sole trader, 2026/27, England/Wales/NI bands. Income Tax + Class 4 NI only.
What do I actually keep?
Use ~26% tax for a basic-rate sole trader (20% + 6% NI) or ~42% for higher rate (40% + 2%).
Am I close to £90,000?
Enter VAT-taxable turnover for your last 12 months. Registration is required if it goes over £90,000 in any rolling 12 months.
What should I charge?
Work back from the income you want to the minimum you need to charge.
These are rough estimates for illustration, not tax or financial advice. They ignore things like student loans, pension contributions, other allowances, Scottish rates, payments on account and the High Income Child Benefit Charge. Your actual position may differ, so speak to an adviser.
Want exact numbers for your business?
We'll help you set up the systems and habits that work for your business.