Contractor calculators
Model each working arrangement in turn to compare them properly. Every calculator supports 2024/25, 2025/26, 2026/27, Scottish and rest-of-UK rates, your own tax code and NI category, student loans and pension contributions.
Inside IR35
Via an umbrella companyWork caught by the IR35 rules, paid through an umbrella company as employment income.
Outside IR35
Via a limited companyWork outside the IR35 rules, run through your own limited company on salary and dividends.
Salary
Permanent employee via PAYEPermanent employment, to compare a contract against a salaried role.