£60 an hour take-home pay, 2026/27

£60 an hour is £480 for an 8-hour day, or £110,400 over 1,840 hours a year. That leaves about £5,876 a month outside IR35 and £5,531 a month inside IR35.

Adjust for my hours

What £60 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£66,373£70,514
Per month£5,531£5,876
Per week£1,276£1,356
Per hour worked£36.07£38.32
Share of gross kept60.1%63.9%

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 £4,141/yearThat's £345 more per month in your pocket
Inside IR35 (umbrella)
£66,373
£5,531 per month
Tax burden: 39.9%
Gross income£110,400
Employer NI & levy−£14,166
Income tax−£25,926
Employee NI−£3,935
Take home£66,373
Outside IR35 (Ltd Co)· keeps more
£70,514
£5,876 per month
Tax burden: 36.1%
Gross revenue£110,400
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£19,262
Dividend tax−£17,488
Take home£70,514
Annual gross
£110,400
Daily rate
£480
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £4,141 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