Last updated: 4 August 2026
contractortakehome.uk provides a free online estimation tool that illustrates potential take-home pay differences between Outside IR35 (limited company) and Inside IR35 (umbrella company) scenarios using published UK tax rates and standard assumptions.
The calculator and all content on this website are provided for general information and illustration purposes only. They do not constitute tax, financial, legal, accounting or any other professional advice.
You must not rely on the results or any information on this site when making contractual, financial or tax decisions. Always obtain advice from a suitably qualified professional (such as an accountant or tax adviser) who can consider your individual circumstances.
This tool does not assess or determine IR35 (off-payroll working) status. IR35 status depends on the specific terms and working practices of an engagement. Only a proper status determination (or formal advice) can establish that.
While we aim to use current published HMRC rates and reasonable standard assumptions, we do not warrant that the calculations are free from error or that they will match your actual tax position. Results can differ because of:
To the fullest extent permitted by law, we exclude liability for any loss or damage (including financial loss) arising from your use of, or reliance on, the calculator or any content on this website. The service is provided free of charge and on an “as is” basis.
You may use the calculator for your own personal or internal business estimation purposes. You may not scrape, copy or republish the tool or its results for commercial redistribution without permission.
Questions about these terms can be sent to info@contractortakehome.uk.