Compare take-home pay outside IR35 (Ltd), inside IR35 and umbrella for any UK day rate. Side-by-side 2026/27 breakdown.
Enter your day rate
Type your contracted day rate in pounds.
Set working days
Choose expected working days. 220 is standard (52 weeks minus leave).
Review the comparison
See annual take-home for Outside IR35 (Ltd), Inside IR35 and Umbrella side by side.
Adjust advanced options
Set business expenses, director salary strategy and umbrella margin.
Use the breakdowns
Each scenario shows a full breakdown: corporation tax, employer NI, dividend tax and effective rate.
HMRC's Check Employment Status for Tax (CEST) tool is the most commonly used way to test IR35 status. Here's exactly what questions it asks, how it weighs them, and where its outcome is not the final word.
What happens after you submit your Self Assessment return — refunds, balancing payments, amendments, HMRC enquiries, the SA302 for mortgages, and the 5-year record-keeping rule
Making Tax Digital for Income Tax (MTD ITSA) starts April 2026 for £50k+ self-employed and landlords. Here's what it means, when it applies to you, the software requirements and how it changes Self Assessment forever.
Disclaimer: All results are estimates for guidance only and do not constitute financial, tax or legal advice. Always consult a qualified professional.
