Value

UK tax planning • 2026/27

Salary, Tax & IR35 Calculator

Convert a salary or contract rate, estimate UK tax deductions and compare PAYE, Inside IR35 and Outside IR35 limited-company take-home pay.

£

Tax year: 6 April 2026 – 5 April 2027 Gross-to-net indicative estimate

Your rate

Enter your rate

Enter your salary or contract rate and choose the tax or working arrangement you want to explore.

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 Adjust this for unpaid leave, holidays or periods between assignments.

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 (£)

£

Optional annual allowance for umbrella margin or other employment costs.

Outside IR35 limited-company settings

Allowable business expenses (£ per year)

£

Director salary (£ per year)

£

Adjustable because the most appropriate salary and dividend structure depends on individual circumstances.

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

Your estimate

Inside IR35 results

Estimated 2026/27 personal take-home.

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

Gross income £0

Monthly take-home £0

Tax + NI % 0%

Take-home % 0%

Weekly take-home £0

Daily net equivalent £0

Tax breakdown

Gross rate equivalents

Hourly £0

Daily £0

Weekly £0

Monthly £0

Bi-Weekly £0

Semi-Monthly £0

Quarterly £0

Annual £0

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Compare arrangements

Inside vs Outside IR35

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

Inside IR35

£0

Annual take-home £0

Take-home % 0%

Outside IR35 Ltd

£0

Annual take-home £0

Take-home % 0%

How to read this comparison: Outside IR35 income is modelled through a limited company, including director salary, employer National Insurance, Corporation Tax and dividend tax. Inside IR35 uses PAYE Income Tax and employee National Insurance. Actual results depend on your contract, tax code, payroll provider, pension, expenses and individual tax circumstances.

Important: This calculator is for indicative educational and comparison purposes only. It is not financial, tax, accounting, employment-status or legal advice. It assumes the standard 2026/27 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 calculation assumes one UK limited company, a 12-month accounting period, no associated companies and that available post-tax company profits are distributed as dividends. VAT is excluded. An umbrella assignment rate can in practice also include items such as holiday pay, pension contributions, Apprenticeship Levy and provider charges. Use the optional annual-cost field to model additional costs where appropriate.