£10,239 goes before your own tax even starts

Inside IR35 Take-Home Calculator

On an assignment rate, employer National Insurance comes out before anything counts as your pay. A £83,500 assignment leaves a deemed payment of £73,261.

Free tool

Inside IR35 Take-Home Calculator

Inside IR35 the rate is usually the cost to the fee-payer, so employer National Insurance comes out of it before you see anything. This runs the same contract both ways.

The contract
£
As the cost to the fee-payer.
£
Outside only.
£
Outside only.
Outside keeps this much more

-

Inside: deemed payment
Inside: employer NI taken first
Inside: income tax and employee NI
Inside: you keep
Outside: corporation tax
Outside: dividends
Outside: dividend tax
Outside: you keep

Three things worth knowing

The deemed payment solves exactly: the payment plus employer National Insurance on it equals the fee. So a higher headline rate inside is not the same money as outside.

Dividend rates for 2026/27 are 10.75, 35.75 and 39.35 per cent. Comparisons using 8.75 and 33.75 are out of date and overstate the company advantage.

Being inside IR35 is not a penalty. It is being taxed as the employee the working arrangement says you are.

Both routes, in a workbook

With every rate as an editable cell.

Download the workbook Free Excel workbook, no signup. Current for 2026/27.

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