Tax years 2024/25 to 2026/27
Work out what you actually keep
Compare the three ways to be paid in the UK — caught by IR35 through an umbrella company, outside IR35 through your own limited company, or on a permanent salary — and see the real difference in take-home pay.
Exact, not estimated
Employer's NI, the Apprenticeship Levy and employer pension are solved against your assignment rate rather than approximated, so the figures reconcile to the penny.
Detailed where it matters
Tax code, NI category, Scottish rates, student loan plans, pension method, expenses and holiday pay treatment all change the answer — so they are all inputs, not assumptions.
Readable at a glance
Every result is an itemised breakdown you can expand, a band-by-band tax table, and a chart of where each pound goes.
Three calculators, one tax engine
All three share the same income tax, National Insurance, dividend and student loan logic, so a like-for-like comparison is genuinely like for like — they differ only where the tax treatment genuinely differs.