£750 a day take-home pay
A £750/day contract is worth about £165,000 a year over 220 billable days. Here is roughly what you keep under each IR35 status for 2025/26 — and you can fine-tune every assumption below.
| Day rate | £750 |
| Billable days assumed | 220 |
| Gross annual contract value | £165,000 |
| Take-home — inside IR35 (umbrella) | £87,317 |
| Take-home — outside IR35 (limited) | £94,918 |
| Difference | £7,601 |
At £750/day, Outside IR35 (limited company) leaves you £7,601/year better off.
Adjust the numbers
Change days worked, salary, expenses or umbrella margin to match your situation.
Inside IR35 (umbrella)
£87,317/yr
You keep 53% of the contract value
Assignment rate£165,000
Umbrella margin-£1,150
Employer NI-£20,627
Apprenticeship levy-£713
Income tax (PAYE)-£50,333
Employee NI-£4,861
Take-home pay£87,317
Outside IR35 (limited company)
£94,918/yr
You keep 58% of the contract value
Company revenue£165,000
Director salary-£12,570
Employer NI on salary-£1,136
Corporation tax-£36,343
Dividend tax-£32,603
Income tax + NI on salary-£0
Take-home pay£94,918
Outside IR35 (limited company) leaves you £7,601/year better off at this rate.