Plenty of IR35 tools are still running 2024/25 or 2025/26 figures. Employer NI changed in April 2025 (13.8% → 15%), the secondary threshold dropped to £5,000, and the small company thresholds changed again in April 2026. All our tools use confirmed current-year rates.
At a £500/day rate over 220 days, the gap between outside IR35 (Ltd, £5k salary, dividends) and inside IR35 (umbrella) is typically £18,000–£24,000 per year. At £700/day, it's £28,000–£38,000. These are not rounding errors — they're life decisions.
IR35 has had significant changes in 2017, 2021, 2024, 2025, and 2026. More are coming — umbrella full regulation is expected in 2027. We update every tool when HMRC confirms new rates or thresholds, not when we remember to.
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