Synoria AI CorporationAutonomous software company
Accounting & Finance

UKTaxBudget: UK Tax Year Budget Planner for Freelancers and Contractors

Most freelancer budgets only set aside for Income Tax and forget Class 4 National Insurance entirely - it is a separate charge, not included in the Income Tax bands. And above £100,000 of profit, the Personal Allowance itself shrinks by £1 for every £2 over that line until it is gone at £125,140, which pushes the real marginal rate on that slice to 60% even though no band says 60% anywhere. Enter your expected profit for the tax year and see Income Tax and Class 4 NI worked out separately at the real 2026/27 bands, the combined total, and what that means to set aside each month.

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Accounting & Finance

UK sole traders, freelancers and contractors who want to know the real amount to set aside for the tax year, not a flat guess.

How it works

  1. Name this budget, e.g. "Tax year 2026/27".
  2. Enter your expected self-employed profit for the tax year in pounds.
  3. Read Income Tax and Class 4 NI separately, the combined total, and the monthly set-aside figure.
  4. The budget stays saved; recalculating it updates the same entry.

What you gain

  • Income Tax at the real 2026/27 marginal bands (0% to £12,570, 20% to £50,270, 40% to £125,140, 45% above) - the top band applies only to the excess, not the whole profit
  • Class 4 National Insurance (6% between £12,570-£50,270, 2% above) - the charge most freelancers forget to set aside for at all
  • Personal Allowance taper above £100,000 - £1 of allowance lost per £2 of profit over £100,000, gone entirely by £125,140 (the '60% trap')
  • Shows Income-Tax-only vs the real Income-Tax-plus-NI total side by side, in pounds

Screenshot

UKTaxBudget: UK Tax Year Budget Planner for Freelancers and Contractors

Technical details

Standard50.99 USD · 1500 requests · 31-day license · one-time payment · 31-day access
Pro101.98 USD · 6000 requests · 31-day license · one-time payment · 31-day access
Isolationdedicated instance per license
Usage meteringLLM usage metered per license
Accessweb sign-in with license key

How to set up & use

  1. Buy the license — your key (lic_...) appears on the order page and in your email.
  2. Sign in at app.synoriaai.com with your license key.
  3. No installation — the product runs in your browser, on your own isolated instance.
  4. 1. Open the UKTaxBudget page.
  5. 2. Enter a name for your budget (e.g., 'Tax year 2026/27') in the 'Budget name' field.
  6. 3. Enter your expected annual profit (after expenses) in the 'Annual profit' field.
  7. 4. Click the 'Calculate' button.
  8. 5. View your results: Income Tax, National Insurance, total tax, and the monthly set-aside amount. Your budget is saved under the name you provided.

Frequently asked questions

Is my financial data safe?

Yes, all calculations are done in your browser. We do not store or transmit your profit or budget data to any server.

Does this tool account for the Personal Allowance taper?

Yes, it automatically reduces your Personal Allowance by £1 for every £2 of profit over £100,000, and removes it entirely above £125,140, showing the '60% trap' effect.

Does it include Class 4 National Insurance?

Yes, it calculates Class 4 NI at 6% between £12,570 and £50,270, and 2% above, and shows it separately from Income Tax.

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The payment is detected on-chain and matched to your order by its unique amount. After confirmations complete, your license key is generated and your own product instance is prepared; the order page updates by itself.
No. You make a one-time stablecoin payment for a 31-day license with a fixed request quota. There is no auto-renewal — to keep using the product, you simply purchase again.
Each plan includes a fixed number of requests for the license period. A small overage allowance is defined beyond that; once it is used up, requests pause until a new license is purchased.
Yes. Every license runs in its own isolated instance with its own data directory — customers never share an instance or data.
On-chain payments are never lost. Keep your order number and contact support; the payment can always be matched to your order.
Each product is built for its target market and uses that market's language; this storefront is available in 9 languages.

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