PTIncomeCalculator
Your real take-home after tax, NI & expenses — built for UK personal trainers.
UK Personal Trainers · 2026
What could you
actually take home?
A realistic projection of your take-home pay after tax, National Insurance and business expenses. Tweak any number to model different scenarios — more clients, higher rates, or a new income stream.
Your details
Income & expenses
Only fill in the services you offer — leave everything else at 0. Benchmarks in italics are typical UK figures.
Face-to-face PT
1-to-1 sessions in person at a gym, studio or outdoors.
Annual: £35,100
Online coaching
OptionalMonthly retainer clients:programming, check-ins, support.
Annual: £0
Group classes
OptionalBootcamp, spin, HIIT, yoga:income depends on attendance.
Annual: £0Flat rate? Set attendees to 1.
Monthly expenses
Enter 0 for anything that doesn't apply.
Annual expenses
One-off or yearly costs:all fully deductible.
Income buffer
Reduces gross revenue to account for illness, holidays, quiet periods and no-shows. A 10–15% buffer is realistic for most self-employed PTs.
Tax rates sourced live from HMRC · Updated each Budget automatically · Your values are saved automatically