£90 an hour take-home pay, 2026/27

£90 an hour is £720 for an 8-hour day, or £165,600 over 1,840 hours a year. That leaves about £8,085 a month outside IR35 and £7,553 a month inside IR35.

Adjust for my hours

What £90 an hour comes to

Inside IR35 (umbrella)Outside IR35 (Ltd company)
Take-home per year£90,634£97,015
Per month£7,553£8,085
Per week£1,743£1,866
Per hour worked£49.26£52.73
Share of gross kept54.7%58.6%

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 £6,381/yearThat's £532 more per month in your pocket
Inside IR35 (umbrella)
£90,634
£7,553 per month
Tax burden: 45.3%
Gross income£165,600
Employer NI & levy−£21,574
Income tax−£48,501
Employee NI−£4,891
Take home£90,634
Outside IR35 (Ltd Co)· keeps more
£97,015
£8,085 per month
Tax burden: 41.4%
Gross revenue£165,600
Employer NI−£1,136
Expenses−£2,000
Corporation tax−£32,972
Dividend tax−£32,478
Take home£97,015
Annual gross
£165,600
Daily rate
£720
Working days/yr
230
IR35 contract reviewOutside IR35 is worth £6,381 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