All Calculators

Twelve free tools for UK contractors and freelancers. All use HMRC 2026/27 rates. No signup required.

Compare Structures

Shows your take-home pay side-by-side across PAYE, Limited Company, Sole Trader, and Umbrella — all in one view.

Best for: Choosing which employment structure gives you the best income. Start here if you're not sure which to use.

Monthly Income Planner

Breaks your annual income down month-by-month, accounting for real working days, bank holidays, and pension contributions.

Best for: Planning your cash flow or setting a monthly budget. Useful if your income varies across the year.

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Day Rate Calculator

Converts between a daily contract rate and annual take-home pay, factoring in holidays, tax, and NI.

Best for: Setting or negotiating your day rate. Answers "what day rate do I need to earn £X per year?"

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Umbrella Calculator

Shows the full deduction waterfall for umbrella workers — assignment rate down to net take-home, including employer NI, holiday pay, and margin.

Best for: Umbrella workers who want to understand exactly where their money goes between the assignment rate and their payslip.

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Umbrella vs Limited Company

Compares your net take-home under an umbrella company versus running your own limited company.

Best for: Deciding whether to go limited or stick with umbrella. Accounts for employer NI, expenses, and accountancy costs.

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Dividend vs Salary

Finds the most tax-efficient split between salary and dividends for a limited company director.

Best for: Ltd company owners who want to minimise their combined Income Tax, NI, and Corporation Tax bill.

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Dividend Tax Calculator

Enter your dividend income and other earnings to see exactly how much dividend tax you owe, broken down by band.

Best for: Ltd company directors planning dividend distributions and comparing 2025/26 vs 2026/27 rates after the April 2026 rate rise.

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Child Benefit (HICBC)

Calculate your High Income Child Benefit Charge and net child benefit after the taper, with pension contribution tips to reduce or eliminate the charge.

Best for: Contractors earning over £60,000 who claim child benefit and want to know their net position, or how a pension contribution could eliminate the charge.

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Marginal Rate Calculator

Visualises your effective and marginal tax rates from £0–£150,000. Shows the 60% personal allowance trap zone and stacks student loan repayments on top of income tax and NI.

Best for: Understanding why take-home pay doesn't scale linearly with income, or planning around the 60% trap at £100,000. Supports Scotland, all student loan plans, and historical comparison.

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Late Payment Interest

Calculates the statutory interest and fixed compensation you're owed on an unpaid invoice, and generates a demand letter.

Best for: Chasing an overdue invoice. Use it to work out exactly how much to claim and what to put in a formal demand.

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IR35 Status Check

Gives a quick inside/outside IR35 assessment based on the same criteria HMRC's CEST tool uses.

Best for: Getting a rough sense of your IR35 position before starting a contract, or reviewing an existing one.

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MTD Readiness Checker

Tells you which Making Tax Digital phase applies based on your self-employment and property income.

Best for: Sole traders and landlords checking whether they need MTD-compatible software from April 2026, 2027, or 2028.

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Tax History Explorer

Interactive charts showing how Income Tax, NI, and other rates have changed over the last 27 years.

Best for: Researching the history of UK tax rates, or comparing what you'd have paid in a different year.

These calculations are estimates based on current published tax rates. They do not constitute financial, tax, or legal advice. Always consult a qualified accountant for your specific situation.

Tax rates sourced from HMRC published rates for the 2026/27 tax year. Last verified: March 2026.