IR35 take-home calculator
Compare estimated take-home pay inside and outside IR35 for the 2026/27 tax year in England, Wales and Northern Ireland.
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View annual totals or average monthly figures.
Your contract figures
Enter the figures you know. Optional fields can be left blank.
Use the number of days you expect to invoice.
Used for the outside IR35 estimate.
Used for the inside IR35 umbrella estimate.
Estimated annual assignment income
Day rate multiplied by billable days
Inside IR35
Umbrella / PAYE£65,809
Estimated annual take-home
60% of assignment income retained
Outside IR35
Limited company£69,932
Estimated annual take-home
64% of assignment income retained
Estimated take-home difference
Outside IR35 is higher in this estimate.
£4,123
Estimate only, not tax advice. The outside-IR35 figure assumes a one-director limited company using a salary up to £12,570 plus dividends, with all available profit distributed. It includes employer National Insurance and does not assume Employment Allowance. VAT, pensions and detailed expense planning are excluded. For the inside-IR35 estimate, the umbrella fee and employer National Insurance are removed from the assignment income before PAYE income tax and employee National Insurance are calculated. Figures use 2026/27England/Wales/NI rates. Scotland differs. Always confirm with a qualified accountant.