Calculate Your Take-Home Pay

Inside or Outside IR35

Enter your day rate and our calculator returns two figures: what you would take home inside IR35, paid through an umbrella company, and what you would take home outside IR35 through your own limited company. The difference between them is the real cost of an inside determination.

Your contract details

Same inputs for both scenarios — the IR35 status changes how the tax works, not your rate.

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Choose Day rate if you bill a daily amount. Choose Annual contract if you have a fixed yearly sum.
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Your invoiced rate per working day, before tax and VAT. Typical UK contractor rates are £300–£800/day.
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How many billable days you work each week.
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Total billable weeks. Most contractors take 6 weeks off, so 46 is typical.
Typical: 46 (allows 6 weeks off)
Outside IR35 details
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Allowable costs paid through your limited company: software, travel, training, accountancy, home office. Only applies outside IR35. Inside IR35 you get a flat 5% allowance instead.
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Optimal (£12,570) uses your full personal allowance — most tax-efficient for most contractors. Secondary threshold (£5,000) avoids all Employer NI. Only applies outside IR35 — inside IR35 you're paid as PAYE.
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Employer pension contributions paid by your company. Fully tax-deductible. Only available outside IR35 — inside IR35 you don't control salary/pension split.
Applies to both scenarios
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Plan 1: pre-2012. Plan 2: post-2012. Plan 4: Scotland. Repaid at 9% above the threshold on total personal income.