2026/27 Tax Year

IR35 Take-Home Comparison Calculator

See the real financial impact of your IR35 status. Enter your contract details once and we'll calculate your take-home pay for both outside and inside IR35 — side by side. Based on 2026/27 UK tax rates.

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.