£85 an hour take-home pay, 2026/27

£85 an hour is £680 for an 8-hour day, or £156,400 over 1,840 hours a year. That leaves about £7,734 a month outside IR35 and £7,201 a month inside IR35.

Adjust for my hours

What £85 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£86,413£92,810
Per month£7,201£7,734
Per week£1,662£1,785
Per hour worked£46.96£50.44
Share of gross kept55.3%59.3%

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 £6,398/yearThat's £533 more per month in your pocket
Inside IR35 (umbrella)
£86,413
£7,201 per month
Tax burden: 44.7%
Gross income£156,400
Employer NI & levy−£20,339
Income tax−£44,916
Employee NI−£4,732
Take home£86,413
Outside IR35 (Ltd Co)· keeps more
£92,810
£7,734 per month
Tax burden: 40.7%
Gross revenue£156,400
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£30,560
Dividend tax−£29,894
Take home£92,810
Annual gross
£156,400
Daily rate
£680
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £6,398 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