What you keep from your day rate
Take-home for UK contractors, inside or outside IR35, at 2026/27 rates. Every rate links to the gov.uk page it came from.
£500 a day, 220 days billed. What reaches your account in a year.
- Outside IR35, limited company
- £68,988
- Inside IR35, umbrella
- £65,620
- Outside keeps more by
- £3,368
Calculators
22 calculators for your pay, your rate and your company.
- Contractor take-home payWhat reaches my account from my day rate, through a limited company?£500 a day keeps£68,988
- Inside vs outside IR35What does the same contract pay inside IR35 and outside?Outside keeps more by£3,368
- Dividend vs salary splitWhich director’s salary leaves me the most after tax?Best salary at £500/day£12,570
- Family shareholder splitHow much dividend tax do I save by giving my spouse or children shares?A 50/50 split saves£10,244
- What day rate to chargeWhat day rate do I need to match the salary I want?To match £60,000£277 a day
- VAT, including flat rateWhat is the VAT on this, and does the flat rate scheme leave me more?£1,000 plus VAT£1,200
- Invoice generatorA VAT-compliant UK invoice made in your browser. No sign-up, and it prints to PDF.Sign-up and costNone
- Umbrella company take-homeWhat will the umbrella pay me from my assignment rate? Margin, employer NI, pension, holiday pay, student loan and tax code, line by line.£500 a day keeps£63,636
- Sole trader taxHow much should I set aside each month as a sole trader? Income tax, Class 4 and Class 2, student loan and payments on account.Monthly set-aside on £60k£982
Guides
The tax rules behind the numbers, with 2026/27 figures.
Data
What a contractor keeps at every day rate in 2026/27: outside and inside IR35 side by side, with a CSV you can reuse.