Self-Employed vs Employed — Key Differences

The distinction between being employed and self-employed affects your tax, benefits, employment rights and financial planning significantly.

Tax treatment

Employed: PAYE — tax and National Insurance are deducted automatically. Your employer handles it.
Self-employed: you pay Income Tax and Class 2/4 NI through Self Assessment. You must register with HMRC and file a tax return annually.

Employment rights

Employees have rights including: minimum wage, paid holiday, sick pay, maternity/paternity pay, unfair dismissal protection. The self-employed have none of these by default, though some rights apply to 'workers' (a hybrid category).

Benefits

Employees build up employment and benefits rights more easily. The self-employed pay NI too, but access to benefits like Statutory Sick Pay doesn't apply. Income protection insurance is often worthwhile for the self-employed.

IR35

IR35 is legislation targeting contractors working through a limited company who are effectively employed (e.g. working only for one client, under their direction). If caught by IR35, you pay employment levels of tax. HMRC takes this seriously.

Related Printables

← All Glossary Terms