IR35 CALCULATOR
FOR IT CONTRACTORS.
IT contractors are one of the largest groups affected by IR35 reforms. Whether you work in software development, infrastructure, cybersecurity, or architecture, your day rate take-home depends heavily on whether you're inside or outside IR35. All figures use confirmed 2026/27 HMRC rates.
Outside IR35 · Ltd Company
LTD COMPANY
£0
£0/day effective
Contract income£0
Corp tax-£0
Dividend tax-£0
Income tax-£0
Employee NI-£0
Net take-home£0
Effective rate0%
Inside IR35 · Umbrella
UMBRELLA
£0
£0/day effective
Contract income£0
Employer NI (15%)-£0
Income tax-£0
Employee NI-£0
Net take-home£0
Effective rate0%
Need a contractor accountant?
Specialist it contractor accountants typically save far more than they cost. Compare options and get IR35 insurance.
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.