£750 Per Day: Take-Home Pay Breakdown (2026/27)

Q: How much do I take home on £750 per day as a limited company?

At £750 per day (£165,000 pa, 220 days), a limited company director outside IR35 takes home approximately £99,362 in 2026/27 — an effective tax rate of 39.8%. This assumes a £12,570 salary with remaining profits paid as dividends.

Q: What is the difference between PAYE and a limited company at £750 per day?

On £750 per day, PAYE takes home £98,608 versus £95,819 for a limited company (outside IR35) — a difference of £2,789 per year. At this income level, the combined burden of Corporation Tax and dividend tax exceeds PAYE income tax and NI, making PAYE more efficient. The April 2026 dividend tax increase contributed to this crossover.

Contracting at £750 per day generates £165,000 per year (220 days). Here's how much you take home in 2026/27 under each working arrangement.

Structure	Gross	Income Tax	NI	Corp Tax	Take-Home	Eff. Rate
Limited Company Outside IR35	£165,000	£31,702	£0	£36,343	£95,819	41.2%
PAYE Employee / Umbrella	£165,000	£61,082	£5,311	—	£98,608	40.2%
Limited Company Inside IR35	£165,000	£48,462	£4,750	—	£83,745	44.2%
Sole Trader Most efficient	£165,000	£61,082	£4,557	—	£99,362	39.8%

Based on 220 working days (£165,000 annual gross). Ltd company uses £12,570 salary. 2026/27 HMRC rates. Rest-of-UK (non-Scottish) taxpayer. No pension contributions.

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Who earns £750 per day?

Is £750 per day a good rate?

£750 a day is a premium architect and consultant rate. Security architects, cloud architects, and lead consultants at established firms bill here. In banking and cybersecurity — where regulatory pressure (DORA, NIS2) drives demand — this rate is increasingly common for genuine specialists.

Worked example

A security architect on £750 a day generates roughly £165,000 over a standard year. At this level, structuring contributions into a pension is often the single biggest lever on net income. The table below shows the baseline; use the interactive calculator to model pension contributions against it.

Over 220 working days, £750 per day comes to £165,000 in gross fees. As a limited company outside IR35 that leaves roughly £95,819 in your pocket after Corporation Tax, dividend tax and National Insurance — an effective tax rate of around 41.2%. The same fees taken through an umbrella under PAYE would return about £98,608, while inside IR35 the figure falls to approximately £83,745. Your own result depends on your IR35 status, pension contributions and how many days you actually bill.

Limited Company (Outside IR35) — Detailed Breakdown

Annual fees (gross)

£165,000

£750/day × 220 days

Salary drawn

£12,570

At personal allowance

Dividends

£114,951

After corporation tax

Corporation tax

£36,343

On £151,295 profit

Dividend tax

£31,702

Personal tax on dividends

Take-home pay

£95,819

Per year after all taxes

Frequently Asked Questions

How much do I take home on £750 per day as a limited company?

At £750 per day (£165,000 annual gross over 220 working days), a limited company director outside IR35 takes home approximately £99,362 in 2026/27. This assumes a £12,570 salary with remaining profits extracted as dividends, giving an effective tax rate of around 39.8%.

What is the difference between PAYE and a limited company at £750 per day?

On £750/day, PAYE takes home £98,608 versus £95,819 for a limited company (outside IR35) — a difference of £2,789 per year. At this income level, the combined burden of Corporation Tax and dividend tax exceeds PAYE income tax and NI, making PAYE the more tax-efficient structure. The April 2026 dividend tax increase contributed to this crossover.

Does IR35 affect my take-home pay at £750 per day?

Yes, significantly. Inside IR35 at £750/day, you take home approximately £83,745 — around £12,074 less than outside IR35. Inside IR35, your income is treated as deemed employment: employer NI is deducted first, then you pay income tax and employee NI on the remainder, with only a 5% flat expense allowance.

How many working days are used in this calculation?

This breakdown uses 220 working days per year, which is a common assumption for UK contractors (approximately 260 weekdays minus bank holidays and leave). Your actual earnings will vary based on how many days you work. You can adjust the figure using the interactive calculator.

Who typically charges £750 per day?

£750 a day is typically commanded by solutions architects, lead consultants, and senior specialists, such as solutions / cloud architect, lead management consultant, senior data scientist and security architect. It is most common in enterprise and cloud architecture, cybersecurity, top-tier consultancy and investment banking. £750 a day is a premium architect and consultant rate. Security architects, cloud architects, and lead consultants at established firms bill here. In banking and cybersecurity — where regulatory pressure (DORA, NIS2) drives demand — this rate is increasingly common for genuine specialists.