Find out what you should charge — or what you should expect to pay. Based on real 2026 UK trade rates by region.
Select your trade and where you work.
Enter your typical monthly business costs to calculate your true take-home.
Setting the right hourly rate is one of the hardest things about being self-employed. Charge too little and you work long hours for poor pay. Charge too much and you lose work to cheaper competitors. The answer lies in understanding your true costs.
Most tradespeople assume they can bill 8 hours a day, 5 days a week. In reality, after quoting, travel, admin, shopping for materials, invoicing, and no-shows, the average sole trader bills around 5-6 hours per day, 45-48 weeks per year. That means roughly 1,200-1,400 billable hours, not 2,000.
Your hourly rate is not your salary. It must cover vehicle costs, fuel, insurance, tools, materials, accounting, phone bills, advertising, and then your pension contributions, holiday fund, sick pay fund, and tax. Only what remains after all of this is your actual take-home pay.
London tradespeople charge 30-50% more than those in the North, but their costs are also significantly higher. Van parking alone can cost £200+ per month in London. The key is not your headline rate but your take-home after expenses — this calculator helps you see that clearly.
If furniture assembly is your trade, we can help. Flat Pack Manchester offers professional assembly across Greater Manchester with fixed prices and same-day availability.
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