Use our free contractor tools & calculators, designed specifically for umbrella and limited company contractors. All the calculators are latest, free to use, and updated for the 2026/27 tax year.
To ensure accuracy of these contractor calculators, the calculations havve been checked and verified by a qualified tax and accounting expert.
Compare your pay in different IR35 scenarios.
This calculator shows the difference in your potential take-home pay if your contract falls inside IR35 versus outside IR35. It factors in tax, National Insurance, and allowable expenses, helping you make informed contract decisions.
Find out your take-home pay when working inside IR35.
For contractors taxed like employees, this tool calculates your expected net pay after income tax and NIC deductions. Ideal for comparing offers and understanding the impact of IR35 compliance.
Maximise your limited company earnings.
If your contract is outside IR35, this calculator estimates your take-home pay after considering dividends, corporation tax, and expenses. Perfect for self-employed professionals managing their own limited company.
Understand your umbrella company pay.
This tool shows your weekly or monthly take-home pay when working through an umbrella company, factoring in employer costs and deductions.
Estimate CIS tax deductions instantly.
Enter your gross payment, material costs, and CIS status to see how much tax will be deducted under the Construction Industry Scheme.
Estimate your CIS take-home pay via Umbrella instantly.
Use this umbrella CIS calculator to work out your net pay after tax and deductions. Enter your gross payment and see what you’ll take home under the Construction Industry Scheme.
Estimate your CIS tax rebate instantly.
Enter your total payments and allowable expenses to see your potential Construction Industry Scheme (CIS) tax rebate. Ideal for subcontractors and construction professionals looking to maximise their take-home pay.
Work out how much tax you’ll pay on dividends.
Enter your dividend income to see your tax liability based on current UK thresholds. Ideal for limited company directors looking to plan tax-efficient withdrawals.
Forecast your company’s total tax bill.
This tool estimates corporation tax and other liabilities, helping directors set aside the right amount for HMRC. Useful for annual planning and cash flow forecasting.
Calculate your net pay after tax and NIC.
Simply enter your gross salary to see your expected take-home pay. This is useful for both contractors on PAYE and limited company directors taking a regular salary.
See exactly how much corporation tax you owe.
Based on your company’s profits, this tool works out the amount payable to HMRC. It’s updated for the latest UK tax year, including tiered corporation tax rates.
Use our contractor mortgage calculator to quickly estimate how much you can borrow and what your monthly repayments could look like.
Whether you’re working through a limited company or an umbrella, this tool gives you a clear starting point before speaking to a lender or broker.
Quickly add or remove VAT from any amount.
Perfect for contractors and small businesses that need to calculate VAT-inclusive and VAT-exclusive figures. Updated for the current UK standard VAT rate.
Find out how much NIC you’ll pay.
This calculator shows both employee and employer National Insurance contributions based on your earnings. Essential for budgeting and understanding total deductions.
1. 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 required.
2. Which calculator should I use?
It depends on what you want to calculate — for example, use the Inside vs Outside IR35 Calculator to compare pay scenarios, or the Umbrella Take-home Pay Calculator if you’re working through an umbrella company.
3. How accurate are the results?
They use the latest UK tax rates and thresholds. They provide close estimates, but your actual take-home pay may vary depending on personal circumstances.
4. Can I use these calculators on my phone?
Yes, all our calculators are mobile-friendly and work on any device with an internet connection.
5. Do the calculators work for the latest tax year?
Yes, we update all calculators annually to reflect changes in tax rates, allowances, and thresholds.
6. Do I need to enter personal details to use them?
No, you can use all our calculators anonymously — we don’t store or request any personal information.