£65 an hour take-home pay, 2026/27

£65 an hour is £520 for an 8-hour day, or £119,600 over 1,840 hours a year. That leaves about £6,253 a month outside IR35 and £5,881 a month inside IR35.

Adjust for my hours

What £65 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£70,573£75,039
Per month£5,881£6,253
Per week£1,357£1,443
Per hour worked£38.35£40.78
Share of gross kept59.0%62.7%

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 £4,466/yearThat's £372 more per month in your pocket
Inside IR35 (umbrella)
£70,573
£5,881 per month
Tax burden: 41.0%
Gross income£119,600
Employer NI & levy−£15,401
Income tax−£29,531
Employee NI−£4,095
Take home£70,573
Outside IR35 (Ltd Co)· keeps more
£75,039
£6,253 per month
Tax burden: 37.3%
Gross revenue£119,600
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£21,420
Dividend tax−£20,006
Take home£75,039
Annual gross
£119,600
Daily rate
£520
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £4,466 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