UK IR35 Contractor Calculator (Inside vs Outside IR35)
Compare net take-home pay between Outside IR35 (LTD company dividends), Inside IR35 (Umbrella PAYE with Apprenticeship Levy), and standard direct agency PAYE.
Compare net take-home pay between Outside IR35 (LTD company dividends), Inside IR35 (Umbrella PAYE with Apprenticeship Levy), and standard direct agency PAYE.
Compare net take-home pay between Outside IR35 (LTD company dividends), Inside IR35 (Umbrella PAYE with Apprenticeship Levy), and standard direct agency PAYE. Calculate exact, penny-accurate projections compliant with 2026 HMRC • Bank of England standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual HMRC tax bands, National Insurance contributions, Bank of England base rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a qualified financial advisor, CPA, or official HMRC documentation prior to executing financial commitments.
Calculate your exact UK net take-home pay after PAYE income tax, Class 1 National Insurance, Student Loan, and pension contributions for England, Wales, and Scotland.
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