Free tools
Free IR35 and contractor tax calculators
Free tools for UK contractors and PSC directors, using the locked 2026/27 tax figures. Work out your take-home outside or inside IR35, compare umbrella against limited, and plan your salary, dividends and corporation tax.
Book a free callIR35 and take-home
Outside IR35 Take-Home Pay Calculator
Work out your annual net take-home through a limited company on an outside-IR35 contract for 2026/27, with the full salary, dividend, corporation tax and NIC breakdown.
Open calculator →Inside IR35 Take-Home Pay Calculator
Work out your annual net take-home on an inside-IR35 or umbrella contract for 2026/27, after employer NIC, the Apprenticeship Levy, the umbrella margin and PAYE.
Open calculator →Umbrella vs Limited Company Calculator
Compare your annual take-home through an umbrella (inside IR35) against a limited company (outside IR35) at the same day rate for 2026/27, and see the difference in pounds.
Open calculator →Umbrella Company Take-Home Pay Calculator
Calculate your real net pay through an umbrella company for 2026/27 from a day rate, including employer NIC, Apprenticeship Levy, umbrella margin and pension.
Open calculator →Contractor Day Rate Calculator
Turn your day rate into annual net take-home across every contracting route for 2026/27, and see exactly what inside day rate would match your outside net.
Open calculator →IR35 Status Indicator
A weighted, plain-English indicator of whether your contract working practices point inside or outside IR35, based on substitution, control, mutuality of obligation and SDC.
Open calculator →Dividends and salary
Dividend Tax Calculator
Work out the dividend tax due on your salary and dividends for 2026/27, with the £500 allowance and the tax in each band shown at the 10.75%, 35.75% and 39.35% rates.
Open calculator →Contractor Salary and Dividend Calculator
Compare a £12,570 versus £6,708 director salary on the same turnover for 2026/27 and see which leaves a single-director company with the higher net take-home.
Open calculator →Run a contractor, recruitment or freelancing site? Embed any of these calculators for free.
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Need help interpreting your results?
These calculators give 2026/27 estimates. For a full review of your IR35 status, the most tax-efficient salary, dividend and pension split, or your umbrella versus limited decision, talk to one of our contractor specialists. We do the work and tell you what is worth changing.
No obligation. If you would rather write to us first, use the contact form.