How much do you really take home as a UK contractor?

Enter your day rate and instantly compare inside IR35 (umbrella) against outside IR35 (your own limited company) using up-to-date 2025/26 tax, National Insurance, dividend and corporation tax rates.

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Inside IR35 (umbrella)

£65,595/yr

You keep 60% of the contract value

Assignment rate£110,000
Umbrella margin-£1,150
Employer NI-£13,484
Apprenticeship levy-£474
Income tax (PAYE)-£25,389
Employee NI-£3,908
Take-home pay£65,595

Outside IR35 (limited company)

£71,413/yr

You keep 65% of the contract value

Company revenue£110,000
Director salary-£12,570
Employer NI on salary-£1,136
Corporation tax-£21,768
Dividend tax-£15,684
Income tax + NI on salary-£0
Take-home pay£71,413

Outside IR35 (limited company) leaves you £5,818/year better off at this rate.

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