£75 an hour take-home pay, 2026/27

£75 an hour is £600 for an 8-hour day, or £138,000 over 1,840 hours a year. That leaves about £6,999 a month outside IR35 and £6,518 a month inside IR35.

Adjust for my hours

What £75 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£78,220£83,990
Per month£6,518£6,999
Per week£1,504£1,615
Per hour worked£42.51£45.65
Share of gross kept56.7%60.9%

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. For the full tax breakdown see £600 a day take-home pay.

Your details

£
£
£
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 £5,770/yearThat's £481 more per month in your pocket
Inside IR35 (umbrella)
£78,220
£6,518 per month
Tax burden: 43.3%
Gross income£138,000
Employer NI & levy−£17,870
Income tax−£37,497
Employee NI−£4,413
Take home£78,220
Outside IR35 (Ltd Co)· keeps more
£83,990
£6,999 per month
Tax burden: 39.1%
Gross revenue£138,000
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£25,888
Dividend tax−£24,986
Take home£83,990
Annual gross
£138,000
Daily rate
£600
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £5,770 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