UK Salary & Contractor Calculator

UK Tax Year 2026-27

Inputs

I know my day rate I know my gross salary I know my target income

Target Annual Net ⓘThe annual take-home pay you want after all taxes and deductions. The calculator will work backwards to find what day rate or salary you need.

£

Gross Annual Salary (£) ⓘThe annual salary from your job offer or contract. If part-time, choose whether this is the FTE or your actual pro-rata pay.

Salary Basis ⓘFTE = the full-time equivalent salary (will be scaled by days/week). Pro-rata = the actual salary you receive.

FTE Pro-rata

Days per Week ⓘHow many days per week you work. Affects FTE scaling and day/week column derivation.

Contract Type ⓘWhether your engagement falls inside or outside the off-payroll working rules (IR35).

Inside IR35 Outside IR35

Day Rate ⓘYour daily charge rate before any deductions. This is the rate agreed in your contract.

£

Contract Length ⓘDuration of your current contract in months. Used to calculate total contract value.

months

Days per Week ⓘNumber of days you work each week. Affects weekly and annual calculations.

Working Days / Year ⓘTotal billable working days per year, accounting for holidays and bench time.

Pension ⓘPension contributions reduce your taxable income. Use Optimise to automatically contribute enough to eliminate the £100k personal allowance taper.

None Optimise Fixed

Contribution Type

£0/mo

Pension contribution amount

Income is below £100k — no taper to optimise.

Results

Salary / Dividends Split

Salary: £12,570 Dividends: £0

Salary and dividends split

Auto-optimised

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Settings

Tax Code ⓘYour PAYE tax code from HMRC. Determines your personal allowance (e.g. 1257L = £12,570).

Theme

Umbrella Margin

Company Costs

Accountancy Fees