Is the ir35 calculator financial advice?
No. PayBreakdown pages are planning routes and calculator entry points only. Use official sources, employer documents, lender information, or a qualified adviser before making important decisions.
PayBreakdown - Salary Calculator & Budget Manager
IR35 calculator
Plan contractor take-home pay for IR35 and off-payroll working scenarios, including inside IR35, outside IR35, umbrella, and day-rate comparisons.
What this page helps with
IR35 and off-payroll working searches usually need status-aware pay modelling. This page targets contractor take-home pay, inside IR35, outside IR35, umbrella pay, deemed employment, day rate, and PSC comparison intent.
Official sources
Income Tax rates and Personal AllowancesNational Insurance rates and categoriesStudent loan repayment thresholdsPension tax reliefNational Minimum Wage and National Living Wage ratesStatutory Maternity Pay and LeaveStatutory Sick PayFCA guidance on misleading financial promotionsOff-payroll working and IR35 guidanceUnderstanding off-payroll workingSalary sacrifice for employersNHS Employers pay scales 2026/27NHS Health Careers Agenda for Change pay ratesFrequently asked questions
Can I adjust the assumptions?
Yes. The related calculators let you change salary, tax, pension, student loan, budget, mortgage, loan, or debt assumptions where the current tool supports them.
Last updated 2026-05-07. Planning estimates only. Not financial advice.