Tools & Calculators
Free, browser-based tools built for UK contractors. No sign-up required — all calculations run instantly in your browser using 2024/25 tax rates.
Interactive Calculators
Take-Home Pay Calculator
Enter your contract day rate or hourly rate and instantly compare your net take-home pay across three scenarios: PAYE employment, outside IR35 (limited company), and inside IR35 (umbrella company). Configurable working days, holiday weeks, and pension contributions.
- Day rate or hourly rate input
- PAYE vs Outside IR35 vs Inside IR35
- Pension contribution settings
- Annual and monthly breakdowns
PAYE vs Contract Calculator
Side-by-side comparison of a permanent PAYE salary against a contracting rate. Accounts for employer/employee pension, paid vs unpaid holidays, and both IR35 statuses. Shows the real financial difference between employment and contracting.
- PAYE salary + contract rate comparison
- Employer & employee pension
- Holiday pay factored in
- Effective tax rate for each option
Inside vs Outside IR35 Calculator
Model the precise cash difference between working inside IR35 through an umbrella company versus outside IR35 through your own limited company. Breaks down every deduction including umbrella fees, employer NI, corporation tax, and dividend tax.
- Umbrella vs limited company comparison
- Full deduction breakdown
- Pension options for both routes
- Monthly and annual net pay
Reference Guides
Tax Optimisation Strategies
Practical strategies for reducing your tax bill as a UK contractor. Covers salary sacrifice pensions inside IR35, avoiding the 40% tax bracket, P800 refunds, and legitimate umbrella company expense claims.
Read guide →Contractor Tax Deductions
A comprehensive reference of allowable expenses for UK limited company contractors. Covers home office, travel, equipment, training, and professional subscriptions — with HMRC references and typical annual savings.
Read guide →IR35 Enforcement & Real-World Risks
An honest look at HMRC enforcement reality, landmark court cases (Kaye Adams, Lorraine Kelly), contractor rights, and what IR35 insurance actually covers. Cuts through the scare stories with real statistics.
Read guide →