ir35

UK take-home pay calculators for contractors and employees — inside IR35 via umbrella, outside IR35 via limited company, and PAYE salary. HMRC methodology, three tax years, every rate cited.

The rate quoted to an umbrella is not your gross pay. Employer National Insurance at 15%, the apprenticeship levy and the umbrella's margin all come out before your own tax.

The rules of IR35 Reform can be confusing so it’s no surprise that myths and misunderstandings arise from time to time. Here we address some of the common areas of confusion.

IR35 Calculator

Outside IR35 you take a small salary plus dividends, paying corporation tax at 19% to 25% first, then dividend tax on what you draw.