Contractor Take Home Pay Calculator UK 2025/26
Calculate your exact take-home pay as a UK contractor. Compare inside vs outside IR35, umbrella company vs limited company with current 2025/26 tax rates.
Free Calculator
No registration required. Instant calculations with 2025/26 tax rates.
All Scenarios
Inside IR35, Outside IR35, umbrella company, and limited company.
HMRC Compliant
Uses official HMRC tax rates and thresholds for accurate results.
Regional Rates
Supports England/NI, Scotland, and Wales tax differences.
How to Use the Contractor Take Home Pay Calculator
Our contractor take-home pay calculator is designed specifically for UK contractors working under different employment arrangements. Whether you're working inside IR35 through an umbrella company or outside IR35 through your own limited company, this tool provides accurate take-home pay calculations.
What Makes Our Calculator Different
- Current Tax Rates: Always updated with the latest 2025/26 tax year rates
- Regional Accuracy: Accounts for Scottish and Welsh tax rate differences
- Comprehensive: Includes pension contributions, student loan repayments, and expenses
- Instant Results: Real-time calculations as you adjust your inputs
Inside IR35 vs Outside IR35
The calculator automatically adjusts calculations based on your IR35 status:
- Inside IR35: Treated as employment for tax purposes, subject to PAYE and NI
- Outside IR35: Genuine business relationship, can use salary/dividend strategies
Contractor Pay Scenarios Covered
- Day rate contractors (per day calculations)
- Hourly rate contractors
- Annual contract values
- Monthly contractor rates
- Part-time and pro-rata contracts