IR35 status & take-home estimator.
A rough, illustrative comparison of take-home pay working inside vs outside IR35, based on your day rate and days worked. This is an estimate for general guidance only, not personalised tax advice — your actual position may differ based on your full circumstances, and Buzz can help with a proper IR35 status assessment.
Enter your contract details
Enter your day rate and days worked, then click Calculate to see an illustrative comparison.
Rates used in this calculator (2026/27 tax year)
| Income Tax band | Rate |
|---|---|
| Up to £12,570 (personal allowance) | 0% |
| £12,571 – £50,270 | 20% |
| £50,271 – £125,140 | 40% |
| Over £125,140 | 45% |
| Employee National Insurance (Class 1) | Rate |
|---|---|
| Up to £12,570 | 0% |
| £12,571 – £50,270 | 8% |
| Over £50,270 | 2% |
| Corporation Tax (own company profit, outside scenario) | Rate |
|---|---|
| Profits up to £50,000 | 19% |
| Profits £50,000 – £250,000 | 25% less marginal relief |
| Profits over £250,000 | 25% |
Dividend allowance £500, then 10.75% / 35.75% / 39.35% depending on band. Source: gov.uk Income Tax, National Insurance, dividend and Corporation Tax rates pages, checked July 2026.
IR35 status is a judgement call, not a calculation
Getting it wrong in either direction is costly — paying more tax than you need to, or facing a bill from HMRC later. Buzz can review your actual contract and working practices and give you a proper assessment, not just an estimate. This is an estimate for general guidance only, not personalised tax advice — talk to Buzz for advice specific to your situation.
