About UKPayCalc

UKPayCalc is a free set of tools for UK contractors and freelancers: a take-home pay calculator, an IR35 inside-vs-outside comparison, and a plain-English umbrella vs limited company guide.

All figures use HMRC rates for the 2026/27 tax year (6 April 2026 – 5 April 2027), and every calculator shows its workings line by line — so you can see exactly where each pound goes.

Everything runs in your browser: no signup, and nothing you enter leaves your device. Results are estimates for guidance, not financial or tax advice — confirm important decisions with HMRC or a qualified accountant.