UK 2026/27 tax year · Updated 2026-06-10
The UK construction sector runs on rules that barely touch other industries. Most subcontractors fall under the Construction Industry Scheme (CIS), where contractors deduct 20% (or 30% if unverified) from labour payments and pass it to HMRC as an advance on the subcontractor's tax and National Insurance. Since March 2021 the VAT domestic reverse charge means many B2B construction supplies are no longer invoiced with VAT; the customer accounts for it instead, squeezing cash flow for firms used to holding output VAT. Plant, vehicles and tools attract capital allowances, with the annual investment allowance and full expensing letting eligible companies write off qualifying spend. Whether you operate as a sole trader, run a limited company, or work through an umbrella, you'll juggle self-assessment, corporation tax, business mileage and Making Tax Digital. These calculators help you estimate CIS deductions, take-home pay, VAT and the tax due so you can quote jobs accurately and keep HMRC happy.
Estimate the tax your construction business owes.
Work out take-home and payroll figures.
Plan your finances and vehicle costs.
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Estimates for general guidance only, based on 2026/27 UK rates. Not financial advice.