£30 an hour take-home pay, 2026/27

£30 an hour is £240 for an 8-hour day, or £55,200 over 1,840 hours a year. That leaves about £3,431 a month outside IR35 and £3,200 a month inside IR35.

Adjust for my hours

What £30 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£38,398£41,175
Per month£3,200£3,431
Per week£738£792
Per hour worked£20.87£22.38
Share of gross kept69.6%74.6%

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.

Your details

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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 £2,778/yearThat's £231 more per month in your pocket
Inside IR35 (umbrella)
£38,398
£3,200 per month
Tax burden: 30.4%
Gross income£55,200
Employer NI & levy−£6,758
Income tax−£7,174
Employee NI−£2,870
Take home£38,398
Outside IR35 (Ltd Co)· keeps more
£41,175
£3,431 per month
Tax burden: 25.4%
Gross revenue£55,200
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£7,504
Dividend tax−£3,385
Take home£41,175
Annual gross
£55,200
Daily rate
£240
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £2,778 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