IR35 take-home pay calculator 2026/27
See what you'd take home inside IR35 through an umbrella company compared with outside IR35 through your own limited company, using 2026/27 HMRC rates.
How this calculator works
Inside IR35 assumes you're paid through an umbrella company. The assignment rate pays the umbrella margin, employer's National Insurance, the Apprenticeship Levy and any employer pension first. The remaining booking fee is your taxable pay, including holiday pay.
Outside IR35 assumes your own limited company pays you a director's salary and pays out the profit after corporation tax as dividends. You can split those dividends with a partner who is a shareholder.
Rates and thresholds are for the 2026/27 tax year (6 April 2026 to 5 April 2027). Your personal circumstances can change the result, so speak to an accountant before you make decisions.
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