Take-home pay by day rate, 2026/27

What a contractor keeps each month at every common day rate, inside and outside IR35, based on 230 working days a year.

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Day rateGross per yearInside IR35, per monthOutside IR35, per month
£250 a day£57,500£3,317£3,570
£300 a day£69,000£3,799£4,146
£350 a day£80,500£4,280£4,632
£400 a day£92,000£4,761£5,114
£450 a day£103,500£5,242£5,592
£500 a day£115,000£5,722£6,065
£550 a day£126,500£6,120£6,534
£600 a day£138,000£6,518£6,999
£650 a day£149,500£6,937£7,460
£700 a day£161,000£7,377£7,913
£750 a day£172,500£7,817£8,340
£800 a day£184,000£8,256£8,763
£850 a day£195,500£8,696£9,182
£900 a day£207,000£9,136£9,597
£950 a day£218,500£9,576£10,007
£1000 a day£230,000£10,015£10,414

Paid by the hour? See £50 an hour and other hourly rates.

Assumes 5 days a week for 46 weeks and no pension. Inside IR35 is paid through an umbrella company before its margin; outside IR35 is a Ltd company paying a £12,570 salary plus dividends, with £2,000 of expenses.