2026 / 27 Tax Year
IR35 Take-Home Calculator
for Finance Contractors
Finance contractors — covering FP&A, financial reporting, treasury, and interim CFO roles — often work across both inside and outside IR35 engagements. Your effective take-home varies dramatically between the two. See exactly what your day rate translates to in net pay using 2026/27 rates.
Outside IR35
Limited Company
£0
£0/day effective
Contract income£0
Corp tax-£0
Dividend tax-£0
Income tax-£0
Empl. NI-£0
Net take-home£0
Effective rate0%
Inside IR35
Umbrella Company
£0
£0/day effective
Contract income£0
Employer NI (15%)-£0
Income tax-£0
Employee NI-£0
Net take-home£0
Effective rate0%
A specialist finance contractor accountant typically saves far more than they cost. Compare contractor accountants and IR35 insurance.
Get an IR35 review →
2026/27 rates. Personal allowance £12,570. Basic rate 20% to £50,270, higher rate 40% to £125,140. Employee NI 8%/2%. Employer NI 15% above £5,000. Corp tax 19%/25% with marginal relief. Dividend allowance £500, dividend rates 8.75%/33.75%/39.35%. Estimates only — not tax advice. Consult a qualified contractor accountant.