£100 an hour take-home pay, 2026/27

£100 an hour is £800 for an 8-hour day, or £184,000 over 1,840 hours a year. That leaves about £8,763 a month outside IR35 and £8,256 a month inside IR35.

Adjust for my hours

What £100 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£99,077£105,156
Per month£8,256£8,763
Per week£1,905£2,022
Per hour worked£53.85£57.15
Share of gross kept53.8%57.2%

Assumes 8 hours a day, 5 days a week for 46 weeks, no pension, umbrella margin not deducted, and for the Ltd company a £12,570 salary plus dividends with £2,000 of expenses. For the full tax breakdown see £800 a day take-home pay.

Your details

£
£
£
AssumptionsOutside IR35: Optimal Ltd Co structure, salary set to personal allowance (£12,570). All remaining profit taken as dividends.
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Outside IR35 saves you £6,079/yearThat's £507 more per month in your pocket
Inside IR35 (umbrella)
£99,077
£8,256 per month
Tax burden: 46.2%
Gross income£184,000
Employer NI & levy−£24,043
Income tax−£55,670
Employee NI−£5,210
Take home£99,077
Outside IR35 (Ltd Co)· keeps more
£105,156
£8,763 per month
Tax burden: 42.8%
Gross revenue£184,000
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£37,948
Dividend tax−£37,760
Take home£105,156
Annual gross
£184,000
Daily rate
£800
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £6,079 more a year. Would your contract hold up if HMRC checked?Know your status before you sign. A professional review typically costs £99–£150 and gives you a defensible position with HMRC.Review my contract →
Estimates only. Inside IR35 assumes an umbrella company deducts employer NI and the apprenticeship levy, before its own margin. Outside assumes a £12,570 Ltd Co salary. Individual circumstances vary — consult a contractor accountant for personalised advice.

Other hourly rates