£800 Day Rate After Tax UK (2026/27) — Inside vs Outside IR35
A £800/day UK contractor rate over 220 billable days generates £176,000 in annual contract revenue. Operating Outside IR35 via a Limited Company yields £102,355/year (£8,529.58/month) compared with £92,485/year (£7,707.07/month) Inside IR35 via an Umbrella company—a difference of £9,870/year.
| £800/Day IR35 Metric (220 Days) | Inside IR35 (Umbrella) | Outside IR35 (Limited Company) |
|---|---|---|
| Gross Annual Contract Value | £176,000 | £176,000 |
| Employer NI (13.8%) & Levy | £21,253 | £1,045 (on £12,570 salary) |
| Corporation Tax (19%–25%) | £0 (Taxed via PAYE) | £38,805 |
| Personal Income / Dividend Tax & NI | £60,962 | £31,995 |
| Net Annual Take-Home Pay | £92,485/yr | £102,355/yr |
| Net Monthly Take-Home Pay | £7,707.07/mo | £8,529.58/mo |