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UK Contractor Calculators
Choose a tool for take-home, employment comparisons, pensions, working days, gaps or rate negotiation.
Tax year 2026/27 · Last verified · Methodology · Official sources
Explore UK Contractor Calculators
Contractor Calculator
Compare permanent salary, inside and outside IR35 with take-home, pension, benefits, working days and break-even contract rates.
Contractor Day Rate Calculator
Turn a daily contract rate and realistic billable days into annual revenue, take-home and equivalent permanent salary.
Day Rate to Salary Calculator
Find the salary matching contractor cash, pension or total package, accounting for expenses and unpaid gaps.
Salary to Day Rate Calculator
Find the inside and outside IR35 rates needed to replace salary, bonus, employer pension and benefits, with a separate risk uplift.
Contractor vs Permanent Calculator
Compare an employment offer with a contract: monthly cash, pensions, benefits, annual difference and break-even day rates.
Inside IR35 Calculator
Estimate take-home from an assignment or gross PAYE rate, showing employer NI, levy, umbrella margin, pension and personal deductions.
Outside IR35 Take Home Calculator
Model company expenses, salary, employer NI, Corporation Tax, dividends, pension and retained profit with transparent deductions.
Umbrella Take Home Pay Calculator
See assignment income become gross PAYE after employer costs, then take-home after tax, employee NI and pension.
IR35 Take Home Comparison Calculator
Compare financial consequences of inside and outside IR35 using common day-rate and working-day assumptions.
Contractor Take Home Calculator
Separate turnover from spendable cash. Compare payroll deductions with company and dividend taxes, pensions and reserves.
Limited Company Contractor Calculator
Estimate salary and dividends after expenses, employer NI and Corporation Tax, with each stage explained.
Contractor Tax Calculator
Compare Income Tax, NI, Corporation Tax and dividend tax beside your estimated cash and pension.
Contractor Working Days Calculator
Subtract leave, bank holidays, sickness, training and contract gaps from weekdays to estimate annual billable days.
Contractor Pension Calculator
Compare no pension, company contributions, personal pension and workplace pensions, separating cash, retirement value and tax effects.
Contractor Gap Calculator
Model weeks without work and booked contract duration, showing revenue and tax-year income without assuming renewal.
Contract Length Calculator
Estimate revenue and net income for three, six, nine or twelve-month engagements, with annualised figures labelled separately.
What Contractor Day Rate Should I Charge?
Find cash and package break-even, then add desired uplift and risk premium to set a negotiation target.
Contractor Risk Premium Calculator
Compare 0%, 5%, 10%, 15% and 20% uplifts on break-even to budget for uncertainty and negotiate a target.
Paid Holiday Value Calculator
Estimate the salary allocation for paid leave and contractor days needed to invoice the same gross amount.
Employment Benefits Value Calculator
Value pension, bonus, medical cover, car allowance, shares and other benefits, then estimate an equivalent contractor rate.
Total Compensation Calculator
Compare salary, bonus, pensions and non-cash benefits with an equivalent inside or outside IR35 contract.
Employer Pension Value Calculator
See how employer pension changes retirement value and the contractor rate needed to replace the package.
Contractor Rate Table
Explore six rates and four billable-day assumptions with live revenue, take-home and equivalent salary.