£80 an hour take-home pay, 2026/27

£80 an hour is £640 for an 8-hour day, or £147,200 over 1,840 hours a year. That leaves about £7,368 a month outside IR35 and £6,849 a month inside IR35.

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What £80 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£82,191£88,416
Per month£6,849£7,368
Per week£1,581£1,700
Per hour worked£44.67£48.05
Share of gross kept55.8%60.1%

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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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 £6,225/yearThat's £519 more per month in your pocket
Inside IR35 (umbrella)
£82,191
£6,849 per month
Tax burden: 44.2%
Gross income£147,200
Employer NI & levy−£19,105
Income tax−£41,332
Employee NI−£4,573
Take home£82,191
Outside IR35 (Ltd Co)· keeps more
£88,416
£7,368 per month
Tax burden: 39.9%
Gross revenue£147,200
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£28,199
Dividend tax−£27,449
Take home£88,416
Annual gross
£147,200
Daily rate
£640
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £6,225 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