Contractor finance planning workspace
A clearer money workspace for contractors deciding how to work.
Compare outside IR35 limited company income, inside IR35 deemed employment, umbrella payroll and permanent employment with a full dashboard of charts, reserves, pension modelling and decision support.
£110,000
£67,099
33.5%
Live route comparison
What you keep
Outside IR35 Ltd company
£67,099
Monthly £5,592 · deductions £36,901
Inside IR35 deemed employment
£66,414
Monthly £5,534 · deductions £43,586
Umbrella company
£65,859
Monthly £5,488 · deductions £44,141
Permanent employment
£57,392
Monthly £4,783 · deductions £27,608
IR35 risk lens
Pair the tax result with working-practice checks before treating outside IR35 as the best answer.
Monthly reserves
Plan invoice income, VAT, corporation tax and safe personal drawings across the year.
Start with your real-world contract terms
Your details unlock the complete personalised analytics engine.
Enter the contract rate and working pattern you actually expect to use. ContractorCalcs immediately turns those inputs into route comparisons, deduction waterfalls, pension modelling, IR35 prompts, equivalent salary checks and cash reserve planning, so the dashboard reflects your real numbers rather than a generic example.
No signup, no email and no server-side storage. Your profile remains in local browser storage only.
Current scenario snapshot
£5,592 monthly net · 33.5% deductions
£5,534 monthly net · 39.6% deductions
£5,488 monthly net · 40.1% deductions
£4,783 monthly net · 32.5% deductions
Outside vs inside
£685
Annual net difference at the current rate.
Outside vs umbrella
£1,239
How much the umbrella route changes take-home.
Permanent benchmark
£85,000
Current salary used for employment comparison.
Exclusive partner offers
Contractor setup offers that can put money back in your business.
These offers sit alongside the planning tools: a business account for trading income and a business credit card for controlled company spending. Affiliate links are clearly marked, and you should always read the provider terms before applying.
Business bank account
Tide Business Account
Tide offer
Open a free Tide business current account in minutes, with no credit check, then use the card and saver actions to qualify for the full bonus.
REFER200T&Cs apply: £75 free when you spend £100 in your first 30 days, plus £125 extra if you deposit £5,000 in a Tide Instant Saver within 7 days. Affiliate link: ContractorCalcs may receive a commission at no extra cost to you.
Business credit card
Capital on Tap Card
Capital on Tap offer
Apply for a no-annual-fee business credit card with 1% uncapped cashback and a credit-limit range designed for growing companies.
SETTINGUPT&Cs apply: get 7,500 points, worth £75, when you complete your first card transaction within 30 days. Subject to eligibility. Affiliate link: ContractorCalcs may receive a commission at no extra cost to you.
Full-page capability overview
Everything the dashboard covers
The homepage now surfaces the breadth of the product again, so users understand that this is more than a simple take-home calculator before opening the dashboard.
Scenario engine
Outside IR35, inside IR35, umbrella and permanent routes from one input set.
Deduction waterfall
PAYE, NI, dividend tax, corporation tax, pension and umbrella margin views.
Pension planner
Model company pension contributions and long-term pot projections.
Cash reserve planner
Monthly invoice, expense, VAT and corporation-tax ring-fence planning.
IR35 centre
Financial impact plus working-practice checklist for evidence gathering.
Rate tools
Day-rate sensitivity, hourly equivalent and permanent-salary comparison.
How it works
One profile feeds every route, chart and planning view.
ContractorCalcs takes your rate, utilisation, expenses, pension choices, tax code and contract route, then runs them through the same calculation engine used by the dashboard cards, comparison tables and cash-planning views. That keeps the homepage, scenario cards and detailed breakdowns aligned instead of showing separate estimates.
Start modelling nowEnter your contract
Add day or hourly rate, working pattern, expenses, pension and employment benchmark.
Compare routes
Review outside IR35, inside IR35, umbrella payroll and permanent employment side by side.
Plan safely
Use reserves, company, pension and IR35 sections to turn headline take-home into practical decisions.
Built for UK contractors
More than a take-home calculator.
The dashboard is designed for contractors who need to decide whether a role is worth taking, how much to reserve for tax, whether pension contributions improve the outcome, and how a contract compares with a permanent salary package.
Private by design
Inputs are stored in local browser storage only; there is no account or server-side profile database.
Route-aware outputs
Outside, inside, umbrella and permanent routes expose different deductions so assumptions remain transparent.
Planning warnings
The interface flags IR35, Scottish-tax and VAT assumptions that need professional confirmation.
Decision support
Charts, checklists and document prompts help users move from figures to practical next actions.