IR35 Calculator — Inside vs Outside Take-Home Pay 2026/27

Your contract details

Day rate

Days per week

Weeks worked per year

Umbrella margin (weekly fee)

Used for the "inside IR35" (umbrella) side.

Tax region

Student loan

Pension contribution (% of gross salary)

Include Apprenticeship Levy (0.5%)

Limited company assumptions

Annual salary paid by your company

Most directors take £12,570 — the tax-free personal allowance.

Corporation tax rate

Accountancy & running costs

Typical accountant fees plus insurance and software.

Weekly take-home
inside IR35

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Weekly take-home
outside IR35

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Annual difference
outside vs inside

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Inside IR35 you keep — · outside IR35 you keep — of your contract value

⚠ Outside IR35 assumes your contract is genuinely outside and your end client has made the status determination. If you're inside IR35, working through a limited company gives you the same tax with far more admin — and none of the employee rights.

Estimate only — not financial advice. Employer National Insurance at 15% is funded from your contract value on the inside-IR35 side.

Assumptions & notes

2026/27 rates: personal allowance £12,570, basic rate 20% to £50,270, employee NI 8%/2%, employer NI 15% above £5,000.
Inside IR35: PAYE umbrella with 12.07% holiday pay accrual and your chosen margin.
Outside IR35: company pays your chosen salary, all remaining profit distributed as dividends (£500 allowance, 10.75%/35.75%/39.35%).
Employment Allowance offsets employer NI on the limited company payroll (single director).
Accountancy and running costs are deducted from the outside-IR35 figure only.

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IR35 Calculator — inside vs outside

Your contract details

Limited company assumptions

Not sure which side of IR35 you're on?

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