These tools help UK contractors and PAYE workers estimate take-home pay, compare umbrella vs limited company structures, model the impact of IR35, convert salary to hourly rates and forecast student loan deductions. Use the search and filters below to jump straight to the calculator you need.
Featured calculators
The tools UK contractors rely on most — IR35 comparison, umbrella take-home and limited company income.
IR35 Comparison Calculator
Compare umbrella PAYE, inside-IR35 deemed payment and outside-IR35 limited company take-home for the same day rate.
- Calculates:
- Net pay across all three contracting structures
- Best for:
- Contractors weighing up IR35 status and structure
Umbrella Company Calculator
Estimate net take-home pay through a UK umbrella employer including employer NICs, margin and pension.
- Calculates:
- Umbrella net take-home pay
- Best for:
- Inside-IR35 and umbrella contractors
Contractor Calculator
Model outside-IR35 limited company income with a tax-efficient salary/dividend split and corporation tax.
- Calculates:
- Limited company contractor take-home
- Best for:
- Outside-IR35 limited company contractors
Contractor calculators
Model umbrella take-home pay or outside-IR35 limited company income, including employer NICs, margins and tax-efficient salary/dividend splits.
Umbrella Company Calculator
Estimate net take-home pay through a UK umbrella employer including employer NICs, margin and pension.
- Calculates:
- Umbrella net take-home pay
- Best for:
- Inside-IR35 and umbrella contractors
Contractor Calculator
Model outside-IR35 limited company income with a tax-efficient salary/dividend split and corporation tax.
- Calculates:
- Limited company contractor take-home
- Best for:
- Outside-IR35 limited company contractors
IR35 tools
Compare PAYE, umbrella and limited company structures side by side and see the real take-home impact of inside vs outside IR35.
IR35 Comparison Calculator
Compare umbrella PAYE, inside-IR35 deemed payment and outside-IR35 limited company take-home for the same day rate.
- Calculates:
- Net pay across all three contracting structures
- Best for:
- Contractors weighing up IR35 status and structure
Salary & PAYE calculators
UK PAYE take-home calculations and hourly/day rate conversions to benchmark contract rates against permanent salaries.
Take-Home Pay Calculator
UK PAYE salary calculator covering income tax, NI, pension and student loan deductions.
- Calculates:
- Annual and monthly net PAYE pay
- Best for:
- Employees and PAYE workers
Salary ↔ Hourly Calculator
Convert between annual salary and hourly/day rate to compare contract rates against permanent roles.
- Calculates:
- Hourly, daily and annual rate equivalents
- Best for:
- Contractors comparing offers and permanent salaries
Student loan tools
Estimate Plan 1, Plan 2, Plan 4 and postgraduate student loan deductions on PAYE or contractor income.
Student Loan Calculator
Estimate UK student loan repayments across Plan 1, Plan 2, Plan 4 and postgraduate loans.
- Calculates:
- Monthly and annual student loan deductions
- Best for:
- Graduates, contractors and PAYE earners
Compare your contracting options
Use our IR35 Comparison Calculator to see umbrella, inside-IR35 and outside-IR35 take-home pay side by side for the same day rate.
Related guides
Go deeper with our UK contractor authority guides — IR35 status, umbrella mechanics and structure comparisons.
Frequently asked questions
Related guides
Disclaimer: These calculators are for informational and educational purposes only and do not constitute financial, tax, legal or accounting advice. Your real position depends on personal circumstances, expenses and IR35 status — always consult a qualified UK accountant before making decisions.