free tool · 2025/26 tax year

UK Reseller Tax Estimator

Am I over the £1,000 trading allowance? Do I need to file Self Assessment? Work it out in 60 seconds.

since january 2024

UK marketplaces (Vinted, eBay, Etsy, Depop, Airbnb) now report seller earnings directly to HMRC under the new Digital Platform Reporting rules. If you earn over £1,000 in a tax year, HMRC already knows. This tool helps you work out what you might owe before you file.

your numbers (tax year 6 Apr 2025 – 5 Apr 2026)
£
Gross PAYE salary from employer, before tax
£
Everything you sold — all platforms combined
allowable expenses
£
What you paid to source the items you sold
£
Postage, packaging, labels
£
eBay FVF, Etsy fees, Shopify, Paypal, etc.
£
Phone, storage, subscriptions (Wrenlist counts)
business mileage
miles
45p/mile first 10k, 25p/mile after (HMRC simplified expenses)
£3,150.00 taxable profit — no tax owed

Your trading profit fits within your personal allowance (£12,570). You may still need to register for Self Assessment because you are over the £1,000 trading allowance.

breakdown
Gross sales£5,000.00
Allowable expenses- £1,850.00
Gross profit£3,150.00
Taxable profit£3,150.00
Income tax (estimated)£0.00
Class 4 NIC£0.00
Total tax owed£0.00
Net profit (take-home)£3,150.00
Effective tax rate on profit0.0%
how this is calculated
  • £1,000 trading allowance — gross trading income up to £1,000/year is tax-free and does not need to be declared.
  • £12,570 personal allowance — first £12,570 of total income (salary + profit) is tax-free.
  • 20% basic rate — income between £12,571 and £50,270.
  • 40% higher rate — income between £50,271 and £125,140.
  • Class 4 NIC — 6% on self-employed profits £12,570–£50,270, 2% above.
  • Mileage — 45p/mile for the first 10,000 business miles, 25p/mile after (HMRC simplified expenses).
  • Expenses vs allowance — you can claim either your actual expenses OR the £1,000 trading allowance, whichever is more favourable. This tool picks automatically.
not tax advice

This calculator provides rough estimates based on HMRC published rates for the 2025/26 tax year. It is a record-keeping tool, not tax or accounting advice. Actual liability depends on your full financial situation, reliefs, student loans, pension contributions, capital allowances, and other factors not modelled here. Wrenlist is not an MTD-registered tax filing service. Always consult a qualified accountant for your Self Assessment. Figures are for guidance only and should not be relied upon for filing decisions.

Track your profit, expenses & mileage automatically

Wrenlist logs every sale, every fee, every mile — so when tax season lands, your numbers are ready. Export to CSV for your accountant.

Start free — no card needed