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UK Contracting Guides
Understand working days, assignment rates, pensions, expenses and financial trade-offs when moving to contracting.
Tax year 2026/27 · Last verified · Methodology · Official sources
Explore UK Contracting Guides
Inside IR35: Pay & Employment Costs
Understand employment taxes and distinguish assignment budgets from gross worker pay.
Outside IR35: Salary, Dividends & Reserves
Understand how turnover becomes personal cash and why company reserves are not spendable take-home.
Inside vs Outside IR35 Take Home
Compare the same revenue through PAYE and company models without confusing finances with status.
Inside IR35 Take Home Explained
Trace the employer-cost and payroll stages from assignment income to cash.
IR35 Day Rate Comparison
Compare contract rates consistently and find rates replacing the same permanent package.
Umbrella Assignment Rate vs Gross Pay
Understand why an assignment rate is not salary and read the employment-cost waterfall.
Day Rate vs Salary: The Whole Package
Compare annual cash and pension, allowing for benefits, paid leave and contract gaps.
How Many Days Does a Contractor Work?
Build realistic billable days instead of assuming every weekday is invoiced.
Contractor Pension Through a Limited Company
Compare qualifying employer and personal contributions while separating cash and retirement value.
What Expenses Reduce Company Profit?
Understand allowable costs and why tax relief is not reimbursement.
How to Compare Contract & Permanent Offers
A practical sequence for comparing cash, pensions and benefits against annual contract income.
How Contract Gaps Affect Annual Income
See why unbilled gaps matter even when the headline rate is attractive.
How Much Should a Contractor Charge?
Use employment value, billable days and a risk uplift to find a personal rate threshold.
Employer vs Contractor Pension
Compare retirement contributions alongside cash, without treating pension as current take-home.