Free calculators for UK Contractors
Use our free contractor calculators to estimate take-home pay, compare IR35 scenarios, check tax deductions, plan limited company income, calculate VAT, review CIS figures, forecast mortgage repayments and manage common contractor calculations in one place.
Use our free calculators and tools, built specifically for UK contractors. The calculators are free to use and designed to support practical contractor planning for the 2026/27 tax year.
To support accuracy, the calculations have been checked and verified by our in-house accounting and tax expert, Nikunja Shah.
You can also download Excel versions of contractor calculators for offline use. No sign-ups or logins required.
Compare inside and outside IR35
Estimate the difference between inside IR35 and outside IR35 take-home pay.
Umbrella payCalculate umbrella take-home pay
Estimate pay after umbrella deductions, employer costs and PAYE-style deductions.
Limited company taxEstimate dividend tax
Work out dividend tax liability and support limited company income planning.
Browse all contractor calculators
Choose the calculator that matches your situation. You can filter by topic or use the search box above to find the right IR35, tax, CIS, umbrella, salary, mortgage, VAT or company calculator.
Inside vs outside IR35
Compare your pay in different IR35 scenarios.
This calculator shows the difference in potential take-home pay if your contract falls inside IR35 versus outside IR35.
Contract vs perm calculator
Compare contractor day rate vs permanent salary.
Use this calculator for a like-for-like financial comparison between contracting and permanent employment.
Inside IR35 limited company
Find out your take-home pay when working inside IR35.
Estimate net pay after tax and NIC deductions when your contract is taxed like employment income.
Outside IR35 limited company
Estimate limited company contractor earnings.
Calculate take-home pay after dividends, corporation tax and expenses for outside IR35 work.
Umbrella take-home pay calculator
Calculate your umbrella take-home pay.
Estimate weekly or monthly take-home pay when working through an umbrella company.
CIS tax deduction
Estimate CIS tax deductions instantly.
Enter gross payment, material costs and CIS status to estimate tax deducted under the Construction Industry Scheme.
CIS take-home pay umbrella
Estimate your CIS take-home pay via umbrella instantly.
Work out estimated net pay after tax and deductions under the Construction Industry Scheme.
CIS tax rebate
Estimate your CIS tax rebate instantly.
Enter payments and allowable expenses to estimate a potential CIS tax rebate.
Dividend tax
Work out how much tax you will pay on dividends.
Estimate tax liability based on dividend income and support tax-efficient limited company withdrawals.
Limited company tax
Forecast your company’s total tax bill.
Estimate corporation tax and related liabilities to support annual planning and cash flow forecasting.
Salary calculator
Calculate your net pay after tax and NIC.
Enter gross salary to estimate take-home pay after income tax and National Insurance.
Corporation tax
See how much corporation tax may be due.
Estimate corporation tax based on company profit and current UK corporation tax structure.
Contractor mortgage calculator
Estimate borrowing and repayments.
Use this calculator to estimate how much you may be able to borrow and what monthly repayments could look like.
VAT calculator
Quickly add or remove VAT from any amount.
Calculate VAT-inclusive and VAT-exclusive figures for contractor invoices and business costs.
National Insurance calculator
Find out how much NIC may be payable.
Estimate employee and employer National Insurance contributions based on earnings.
Holiday pay calculator
Understand how holiday pay is calculated in the UK.
Review umbrella holiday pay methods including accrued and rolled-up holiday pay.
Sole trader vs limited company calculator
Compare sole trader and limited company structures.
Designed for contractors, freelancers, consultants and self-employed professionals comparing business structures.
Statutory Sick Pay calculator
Estimate SSP entitlement based on current rules.
Use this calculator to estimate Statutory Sick Pay entitlement using relevant thresholds.
HMRC mileage claim calculator and log
Calculate allowable mileage expenses.
Calculate mileage expenses using HMRC Approved Mileage Allowance Payments and keep a simple mileage log.
CIS vs PAYE take-home pay comparison
Compare CIS and PAYE take-home pay instantly.
Estimate deductions, tax liability, National Insurance and net income differences between both payment methods.
Capital Gains Tax calculator
Calculate your Capital Gains Tax liability.
Use this calculator to estimate potential CGT liability for the 2026/27 tax year.
Frequently asked questions
Are these calculators free to use?
Yes, all our contractor calculators are free and can be used as many times as you like. No sign-up is required.
Which calculator should I use?
It depends on what you want to calculate. For example, use the Inside vs Outside IR35 Calculator to compare IR35 pay scenarios, or the Umbrella Take-home Pay Calculator if you are working through an umbrella company.
How accurate are the results?
The calculators are designed to provide practical estimates using relevant UK tax rates and thresholds. Actual results may vary depending on personal circumstances, payroll treatment and professional advice.
Can I use these calculators on my phone?
Yes, the calculators are designed to be mobile-friendly and should work on modern devices with an internet connection.
Do the calculators work for the latest tax year?
We aim to keep the calculators updated to reflect relevant tax rates, allowances and thresholds for the stated tax year.
Do I need to enter personal details to use them?
No, you can use the calculators anonymously. They are designed to work without requiring a login or personal account.
Can I download these calculators for offline use?
Selected contractor calculators may be available as Excel downloads for offline use. These are intended to support practical planning and record-keeping.