Contractor, IR35 & Umbrella calculators
13 free calculators covering contractor, ir35 & umbrella, on 2026/27 and 2025/26 UK rates. Every result shows the bands and assumptions behind it, so you can check the numbers before you act on them.
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Compare take-home pay from a limited company day rate contract against an equivalent employment salary for 2026/27, side by side after all tax and NIC.
2026/27Contracting to Permanent Salary Calculator
Convert a contractor day rate into an equivalent permanent salary for 2026/27, accounting for holiday, pension and employer costs a day rate does not include.
2026/27Contractor Calculator for Limited Companies
Calculate a contractor's annual take-home pay through a limited company for 2026/27, covering corporation tax, salary, dividends and running costs in one place.
2026/27Contractor Mortgage Calculator
Estimate how much a mortgage lender might offer a contractor based on day rate or limited company income in 2026/27, using a typical income multiple approach.
2026/27Inside vs Outside IR35 Calculator
Compare take-home pay for the same contract income when working inside IR35 versus genuinely outside IR35 through your own limited company in 2026/27.
2026/27IR35 Take-Home Comparison Calculator
Compare take-home pay from an umbrella company inside IR35 against a limited company outside IR35 for the same day rate, with figures for 2026/27.
2026/27IR35 Status Impact Calculator
See the direct pound-for-pound impact on your net pay if a contract's IR35 status changes for 2026/27, before agreeing a rate change or new engagement terms.
2026/27Limited company vs umbrella calculator
Compare limited company and umbrella take-home pay for 2026/27 using current dividend, NI and employer NI rates to see which route suits your contract.
2026/27Off-payroll working (IR35) calculator
See the tax impact of being caught by the off-payroll working (IR35) rules in 2026/27, comparing deemed employment deductions with outside-IR35 contracting.
2026/27Permanent to contracting calculator
Compare take-home pay and benefits value moving from a permanent salary to limited company contracting for 2026/27, factoring in tax, NI and lost employment benefits.
2026/27Salary vs contracting calculator
Compare net take-home pay from an employed salary against limited company contracting for 2026/27 across tax, National Insurance and corporation tax.
2026/27Target income calculator
Work backwards from the take-home pay you want in 2026/27 to the day rate or gross contract income needed after tax, NI and company costs.
2026/27Umbrella company take-home calculator
Calculate umbrella company take-home pay for 2026/27 from your assignment rate, showing the umbrella margin, employer NI, income tax and employee NI deducted.
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