£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

Frequently Asked Questions (2026/27 & 2027/28 UK Rules)

How much is a £800 contractor day rate after tax in the UK?

Over 220 billable days (£176,000 gross revenue), a £800 day rate yields £8,529.58 net per month (£102,355/year) Outside IR35 via a Limited Company, or £7,707.07 net per month (£92,485/year) Inside IR35 via an Umbrella company.

Why is my net pay lower Inside IR35 on £800 a day?

Inside IR35, 13.8% Employer National Insurance (£20,486) and the 0.5% Apprenticeship Levy (£767) are deducted from your assignment rate before PAYE Income Tax and Employee NI are calculated.

Authoritative UK Calculators & 2027/28 Early Access