UK Money Tools · Verified 12 June 2026
Calculators that show their working.
Every rate verified against GOV.UK and gov.scot, every formula documented, every figure tested against HMRC worked examples. No black boxes.
UK contractor tools · 2026/27
2026/27 · IR35
Contractor Take-Home Calculator
Umbrella vs inside-IR35 vs outside-IR35, side by side — including the April 2026 dividend tax rise, Scottish bands and student loans. Full breakdown to the penny.
Open calculator →2026/27 · Umbrella
Umbrella Company Calculator
See exactly what an umbrella's weekly margin costs your take-home, compared across margin levels — so you can tell a fair margin from an expensive one before you sign.
Compare margins →2026/27 · Expenses
Contractor Expenses Calculator
What your allowable expenses really cost after tax relief outside IR35 — and why the same costs generally can't be claimed through an umbrella or inside IR35.
Work out the relief →2026/27 · Status
IR35 Status Estimator
A guided, CEST-style questionnaire on substitution, control and mutuality that shows which way your engagement leans. An estimate to inform you — not a determination.
Check your lean →Why another calculator site?
Because most of the contractor calculators ranking today still quote 2025/26 dividend rates. Tax figures age fast and silently. Ours live in one version-controlled rates file with the verification date printed on every page — when the Budget changes something, the whole site updates from a single place, and you can see when we last checked.