UK Contractor Take-Home Pay Tools
Free calculators for UK contractors and freelancers — take-home pay, IR35 inside vs outside, umbrella vs limited. Updated for the 2026/27 tax year. No signup, instant results.
2026/27 rates
Take-Home Pay Calculator
Salary or hourly rate in, net pay out. Income tax + employee NI for 2026/27, England or Scotland.
Open tool →Inside / OutsideIR35 Calculator
Day rate in — see inside vs outside IR35 take-home side by side, with every deduction shown.
Open tool →Plain-English guideUmbrella vs Limited Guide
How umbrella deductions really work, limited company basics, and which suits your contract.
Open tool →Why UKPayCalc?
- 2026/27 HMRC rates: personal allowance £12,570, basic 20%, higher 40%, additional 45%; employee NI 8% then 2%.
- Every deduction shown line by line — including the employer NI that comes out of your rate inside IR35.
- Scotland's six-band system supported, not just England.
- Runs entirely in your browser. Estimates only — not financial advice.