£45 an hour take-home pay, 2026/27

£45 an hour is £360 for an 8-hour day, or £82,800 over 1,840 hours a year. That leaves about £4,729 a month outside IR35 and £4,376 a month inside IR35.

Adjust for my hours

What £45 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£52,513£56,745
Per month£4,376£4,729
Per week£1,010£1,091
Per hour worked£28.54£30.84
Share of gross kept63.4%68.5%

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

£
£
£
AssumptionsOutside IR35: Optimal Ltd Co structure, salary set to personal allowance (£12,570). All remaining profit taken as dividends.
↑
Outside IR35 saves you £4,232/yearThat's £353 more per month in your pocket
Inside IR35 (umbrella)
£52,513
£4,376 per month
Tax burden: 36.6%
Gross income£82,800
Employer NI & levy−£10,462
Income tax−£16,367
Employee NI−£3,457
Take home£52,513
Outside IR35 (Ltd Co)· keeps more
£56,745
£4,729 per month
Tax burden: 31.5%
Gross revenue£82,800
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£13,092
Dividend tax−£9,827
Take home£56,745
Annual gross
£82,800
Daily rate
£360
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £4,232 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