£35 an hour take-home pay, 2026/27

£35 an hour is £280 for an 8-hour day, or £64,400 over 1,840 hours a year. That leaves about £3,949 a month outside IR35 and £3,606 a month inside IR35.

Adjust for my hours

What £35 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£43,273£47,391
Per month£3,606£3,949
Per week£832£911
Per hour worked£23.52£25.76
Share of gross kept67.2%73.6%

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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£
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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 £4,117/yearThat's £343 more per month in your pocket
Inside IR35 (umbrella)
£43,273
£3,606 per month
Tax burden: 32.8%
Gross income£64,400
Employer NI & levy−£7,993
Income tax−£9,995
Employee NI−£3,139
Take home£43,273
Outside IR35 (Ltd Co)· keeps more
£47,391
£3,949 per month
Tax burden: 26.4%
Gross revenue£64,400
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£9,252
Dividend tax−£4,622
Take home£47,391
Annual gross
£64,400
Daily rate
£280
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £4,117 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