UK Contractor Take-Home Calculator
Compare inside and outside IR35 — Ltd company vs umbrella
Outside IR35 (Ltd company)
Inside IR35 (Umbrella)
2025/26
2026/27 (current)
2027/28 (next)
Day rate (£)
Days per year
Pension contribution (%)
Annual take-home
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Effective tax rate
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Deductions breakdown
Item
Annual
Monthly