contractortakehome.uk provides a free, browser-based calculator that estimates the difference in take-home pay between working Outside IR35 through a limited company and working Inside IR35 via an umbrella company.
Many contractors want a clear, side-by-side view of the financial impact of the two most common operating models. This tool is designed to give a transparent illustration using current HMRC rates and standard assumptions, without requiring sign-up or personal data.
This site does not determine IR35 status, does not provide personalised tax or financial advice, and is not affiliated with HMRC or any government body. It is an independent estimation tool only.
You can reach us at info@contractortakehome.uk.
Many UK contractors only see a day rate or an umbrella illustration and still cannot tell how that compares with a limited company on the same assignment. Spreadsheets help, but they are easy to get wrong when Corporation Tax marginal relief, dividend allowance, employer NI or student loans are involved.
Contractor Take Home is a focused calculator for that comparison. It uses published 2026/27 rates, runs in the browser, and explains the main assumptions in plain language. It is not tax advice and not an IR35 determination tool — it is a transparent estimate so you can ask better questions of your accountant or umbrella provider.
We keep the site free to use. If you need something more advanced later, you can register interest on the calculator page.