Personal Trainer Tax Calculator 2025/26
Calculate your take-home pay as a self-employed personal trainer. See your tax, NI, and claimable expenses for gym rent, equipment, and qualifications.
Common deductions for personal trainers
These are typical expenses you may be able to claim against your taxable profit.
Gym rent or studio hire
Rent paid for gym space, studio hire, or facility fees charged by the gym where you train clients.
Fitness equipment
Resistance bands, dumbbells, mats, TRX systems, and other portable training equipment you provide.
Qualifications and CPD
Level 3/4 PT courses, specialist certifications (nutrition, pre/post-natal, sports massage), and first aid renewals.
Insurance
Professional liability and public liability insurance required for training clients.
Marketing and website
Website hosting, social media advertising, business cards, and online booking platform subscriptions.
Travel to clients
Mileage or travel costs when visiting clients at their home, park, or other locations.
Branded clothing
Uniforms or branded sportswear worn exclusively for work. General gym clothing does not qualify.
Yearly
£25,120
take-home
Monthly
£2,093
take-home
Weekly
£483
take-home
Deductions
Effective rate
16.27%
The actual percentage of your total income going to income tax and NI combined.Marginal rate
28%
The tax rate on your next £1 of income. Above £100k this can be 60% due to Personal Allowance tapering.Income tax bands
Where your money goes
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Try AI Tax Advisor — £9.99What tax do personal trainers pay in the UK?
Self-employed personal trainers pay income tax on net profit (income minus expenses). For 2025/26, the first £12,570 is tax-free, then 20% up to £50,270, and 40% above. Class 4 NI is 6% on profits £12,571–£50,270. Deductible expenses include gym rent, equipment, qualifications, insurance, and travel to clients.
- Gym rent or studio hire is fully deductible
- Equipment: bands, dumbbells, mats, portable kit
- CPD: Level 4 courses, nutrition, first aid
- Insurance premiums are a business expense
- Travel to clients: mileage at 45p/mile
Last reviewed:
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