UK · 2026/27

Salary, Tax & IR35 Calculator

Convert a salary or contract rate, compare PAYE, Inside IR35 and Outside IR35, and optionally estimate the gross contract value and take-home for a fixed project lasting a number of days, weeks, months or years.

Tax year: 6 April 2026 – 5 April 2027 Annualised tax model + optional project-duration estimate

Enter your rate

Enter the rate, working pattern and tax arrangement. Contractors can also add the expected project duration.

Tax / working arrangement

PAYE Salary Inside IR35 Outside IR35

Amount (£)

£

Rate type Hourly Daily Weekly Bi-weekly Semi-monthly Monthly Quarterly Annual

Hours per week

Days per week

Working weeks per year This drives the annualised rate calculation. Reduce it if you expect unpaid leave, holidays or gaps between contracts.

Project duration Optional for Inside or Outside IR35 contracts.

Calculate estimated totals for a fixed project duration

Project duration

Duration unit Days Weeks Months Years

12 weeks

Project totals are scaled from the annualised tax model. Because UK tax is assessed over the tax year, actual short-contract take-home can differ where you have other contracts, employment income, pension contributions or periods without earnings.

UK tax region England / Northern Ireland Wales Scotland

Inside IR35 settings

How is the rate quoted? Deemed direct payment / gross taxable fee Umbrella assignment rate

Umbrella margin / other annual costs (£)

£

Outside IR35 Ltd company settings

Allowable business expenses (£ per year)

£

Director salary (£ per year)

£

Company is eligible for Employment Allowance. Leave unticked for a typical single-director company where the director is the only employee liable for employer NI.

Inside IR35 results

Estimated 2026/27 annualised personal take-home.

Estimated annual take-home £0 After applicable tax and National Insurance

Estimated project totals 12 weeks

Gross project / contract value £0

Estimated project take-home £0

Estimated project deductions £0

Approx. working days 0

Gross income £0

Monthly take-home £0

Tax + NI % 0%

Take-home % 0%

Weekly take-home £0

Daily net equivalent £0

Annualised tax breakdown

Gross rate equivalents

Hourly £0

Daily £0

Weekly £0

Monthly £0

Bi-weekly £0

Semi-monthly £0

Quarterly £0

Annual £0

Copy results Reset

Inside vs Outside IR35

Compare annualised take-home using the same contract rate and working pattern.

Inside IR35

£0

Annual take-home £0

Annualised take-home £0

Take-home % 0%

Outside IR35 Ltd

£0

Annual take-home £0

Annualised take-home £0

Take-home % 0%

How project duration is handled: the tax engine remains annualised. When a fixed duration is selected, project gross, deductions and take-home are estimated by applying the selected duration as a proportion of the annual model. This gives a useful contract-planning estimate but does not reproduce an individual's final tax-year position.

Important: This calculator is for indicative educational and comparison purposes only. It is not financial, tax, accounting, employment-status or legal advice. It retains the assumptions in the existing TS4 2026/27 calculator, including the standard Personal Allowance and no other employment income, pension deductions, student loans, benefits, Marriage Allowance, Gift Aid, salary sacrifice, capital gains or other personal adjustments.

The Outside IR35 model assumes one UK limited company with no associated companies and that available post-tax company profit is distributed as dividends. VAT is excluded.

Project-duration estimates: UK Income Tax, National Insurance, Corporation Tax and dividend taxation do not necessarily arise evenly through a short project. The project-period values shown here are proportional planning estimates derived from the annualised model. Other income or contracts in the same tax year can materially change actual take-home.