What Will You Actually Take Home?
Most contractor calculators assume you work 260 days a year and never take a sick day. We don't. Get a realistic take-home figure that accounts for unpaid holidays, your IR35 status, and the tax traps that catch first-time contractors off guard.
Built for contractors who want the full picture
Not the optimistic version. The realistic one.
Three Scenarios Side by Side
Outside IR35, inside via umbrella, or salary sacrifice pension. See exactly what you take home under each.
Real Working Days, Not 260
Adjust for bank holidays, sick days, and school runs. See how each unpaid day hits your monthly take-home.
Transparent Calculations
Every figure is explained. No black-box maths. See exactly how we arrive at each number.
FREE CALCULATOR — NO ACCOUNT NEEDED
Your IR35 Take-Home Calculator
Adjust your inputs and see all three scenarios update in real time.
Your Details
Your contracted daily rate before any deductions
Each unpaid day costs you £500 in lost contract income
At 220 days you earn £110,000/year gross vs £130,000 at the theoretical 260-day max
Ltd only — typically set at £12,570 (personal allowance) to minimise tax
Ltd only — allowable costs claimed through the company
A contractor accountant typically costs £1,200–£2,500/year. We default to £1,500 — most calculators leave this out entirely.
Professional indemnity plus IR35 investigation cover. Typically £200–£500/year.
Employer pension paid by your company or umbrella before tax
Umbrella only — typically £20–35/week
Enter your day rate to see results