Assumes 220 days billed, a £12,570 director's salary, £2,000 of expenses and no pension outside; a £25 weekly umbrella margin and no pension inside. England, Wales and Northern Ireland rates. Download the full table as CSV (£250 to £1,500 in £25 steps).

Day rate	Billed	Outside, a year	Outside, a month	Kept	Inside, a year	Inside, a month	Kept
£300	£66,000	£48,209	£4,017	73%	£43,525	£3,627	65.9%
£350	£77,000	£53,404	£4,450	69.4%	£49,048	£4,087	63.7%
£400	£88,000	£58,598	£4,883	66.6%	£54,572	£4,548	62%
£450	£99,000	£63,793	£5,316	64.4%	£60,096	£5,008	60.7%
£500	£110,000	£68,988	£5,749	62.7%	£65,620	£5,468	59.7%
£550	£121,000	£74,182	£6,182	61.3%	£70,252	£5,854	58.1%
£600	£132,000	£78,973	£6,581	59.8%	£73,871	£6,156	56%
£650	£143,000	£82,348	£6,862	57.6%	£77,490	£6,458	54.2%
£700	£154,000	£85,724	£7,144	55.7%	£82,292	£6,858	53.4%
£750	£165,000	£89,271	£7,439	54.1%	£87,340	£7,278	52.9%
£800	£176,000	£94,175	£7,848	53.5%	£92,388	£7,699	52.5%
£850	£187,000	£99,078	£8,257	53%	£97,435	£8,120	52.1%
£900	£198,000	£103,982	£8,665	52.5%	£102,483	£8,540	51.8%
£950	£209,000	£108,885	£9,074	52.1%	£107,531	£8,961	51.5%
£1000	£220,000	£113,789	£9,482	51.7%	£112,578	£9,382	51.2%

Reading the table

The share you keep falls as the rate rises, on both routes, because more of the money lands in the higher dividend band or the 40% income tax band. The gap between outside and inside is widest in the middle of the range and narrows at the top, where the 35.75% dividend rate catches up with PAYE.

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