UK Freelancer Money Hub

Financial Disclaimer

Last updated: 10/06/2026

The calculators, guides and other content on UK Freelancer Money Hub are provided for informational and educational purposes only. They are not financial, tax, accounting, investment or legal advice.

1. Estimates only

All tools on this Site — including the take-home pay calculator, tax estimator, hourly rate calculator and invoice generator — produce estimates based on simplified models of the UK tax system for the 2026/27 tax year. They do not account for every personal circumstance, including (but not limited to):

  • Scottish income tax bands and rates.
  • Dividends, rental income, savings interest, and capital gains.
  • Student loan and postgraduate loan repayments.
  • Pension contributions and tax relief.
  • Marriage Allowance and other personal tax reliefs.
  • The High Income Child Benefit Charge.
  • VAT, Corporation Tax, dividends and director salary planning for limited companies.
  • IR35 status determinations.

2. Not financial, tax or legal advice

Nothing on this Site constitutes regulated financial advice under the Financial Services and Markets Act 2000 or tax advice under any UK statute. We are not authorised by the Financial Conduct Authority (FCA) and do not provide personalised recommendations.

3. Always verify with HMRC or a qualified professional

Tax rules change and personal situations differ. Before making any financial, tax or business decision based on information from this Site, you should:

  • Verify current tax rates and rules at gov.uk.
  • Consult a qualified UK accountant, tax adviser, or independent financial adviser (IFA).
  • Contact HMRC directly for binding guidance on your specific circumstances.

4. No liability

UK Freelancer Money Hub, its owners, contributors and affiliates accept no liability for any loss or damage — including financial loss, missed tax deadlines, underpayments, overpayments, penalties or any other consequence — arising from the use of, or reliance on, any information, calculator output or document generated by this Site. You use the Site entirely at your own risk.

5. Third-party content

The Site may link to or display content from third parties (including advertisers via Google AdSense). We do not endorse and are not responsible for third-party content or services.

See also our Terms & Conditions and Privacy Policy.