Free & Downloadable Calculators for UK Contractors

Free calculators built around contractor decisions.

Use our free contractor calculators to estimate take-home pay, compare IR35 scenarios, check tax deductions, plan limited company income, calculate VAT, review CIS figures, forecast mortgage repayments and manage common contractor calculations in one place.

Use our free calculators and tools, built specifically for UK contractors. The calculators are free to use and designed to support practical contractor planning for the 2026/27 tax year.

To support accuracy, the calculations have been checked and verified by our in-house accounting and tax expert, [Nikunja Shah](/content/calculators.php#nikunja "Nikunja Shah bio"/index.html).

You can also download Excel versions of contractor calculators for offline use. No sign-ups or logins required.

Browse contractor calculators

Choose the calculator that matches your situation. You can filter by topic or use the search box above to find the right IR35, tax, CIS, umbrella, salary, mortgage, VAT or company calculator.

List of Calculators

  • [IR3501\ **Inside vs outside IR35** \ Compare your pay in different IR35 scenarios.](/content/ir35-calculator.php "IR35 Calculator"/index.html)
  • [Contract vs permanent02\ **Contract vs perm calculator** \ Compare contractor day rate vs permanent salary.](/content/contract-day-rate-vs-permanent-salary-calculator.php "Contract vs Perm Calculator"/index.html)
  • [Inside IR3503\ **Inside IR35 limited company** \ Find out your take-home pay when working inside IR35.](/content/inside-ir35-calculator.php "Inside IR35 Calculator"/index.html)
  • [Outside IR3504\ **Outside IR35 limited company** \ Estimate limited company contractor earnings.](/content/outside-ir35-calculator.php "Outside IR35 Calculator"/index.html)
  • [Umbrella05\ **Umbrella take-home pay calculator** \ Calculate your umbrella take-home pay.](/content/umbrella-companies.php "Umbrella Take Home Pay Calculator"/index.html)
  • [CIS06\ **CIS tax deduction** \ Estimate CIS tax deductions instantly.](/content/cis-tax-deduction-calculator.php "CIS Tax Deduction Calculator"/index.html)
  • [CIS umbrella07\ **CIS take-home pay umbrella** \ Estimate your CIS take-home pay via umbrella instantly.](/content/cis-tax-calculator.php "CIS Tax Calculator"/index.html)
  • [CIS tax08\ **CIS tax rebate** \ Estimate your CIS tax rebate instantly.](/content/cis-tax-rebate-calculator.php "CIS Tax Rebate Calculator"/index.html)
  • [Dividend tax09\ **Dividend tax** \ Work out how much tax you will pay on dividends.](/content/dividend-tax-calculator.php "Dividend Tax Calculator"/index.html)
  • [Limited company10\ **Limited company tax** \ Forecast your company’s total tax bill.](/content/limited-company-tax-calculator.php "Limited Company Tax Calculator"/index.html)
  • [Salary11\ **Salary calculator** \ Calculate your net pay after tax and NIC.](/content/salary-calculator.php "Salary Calculator"/index.html)
  • [Corporation tax12\ **Corporation tax** \ See how much corporation tax may be due.](/content/corporation-tax-calculator.php "Corporation Tax Calculator"/index.html)
  • [Mortgage13\ **Contractor mortgage calculator** \ Estimate borrowing and repayments.](/content/contractor-mortgage-calculator.php "Contractor Mortgage Calculator"/index.html)
  • [VAT14\ **VAT calculator** \ Quickly add or remove VAT from any amount.](/content/vat-calculator.php "VAT Calculator"/index.html)
  • [National Insurance15\ **National Insurance calculator** \ Find out how much NIC may be payable.](/content/national-insurance-tax-calculator.php "National Insurance Calculator"/index.html)
  • [Holiday pay16\ **Holiday pay calculator** \ Understand how holiday pay is calculated in the UK.](/content/umbrella-company-holiday-pay-explained.php "Holiday Pay Calculator"/index.html)
  • [Business structure17\ **Sole trader vs limited company calculator** \ Compare sole trader and limited company structures.](/content/sole-trader-vs-limited-company-calculator.php "Sole Trader vs Limited Company Calculator"/index.html)
  • [SSP18\ **Statutory Sick Pay calculator** \ Estimate SSP entitlement based on current rules.](/content/statutory-sick-pay-ssp-calculator.php "Statutory Sick Pay Calculator"/index.html)
  • [Mileage19\ **HMRC mileage claim calculator and log** \ Calculate allowable mileage expenses.](/content/mileage-claim-calculator-log.php "HMRC Mileage Claim Calculator & Log"/index.html)
  • [CIS vs PAYE20\ **CIS vs PAYE take-home pay comparison** \ Compare CIS and PAYE take-home pay instantly.](/content/cis-vs-paye-calculator.php "CIS vs PAYE Take-Home Pay Comparison Calculator"/index.html)
  • [Capital gains tax21\ **Capital Gains Tax calculator** \ Calculate your Capital Gains Tax liability.](/content/capital-gains-tax-calculator-uk.php "Capital Gains Tax Calculator"/index.html)

Frequently asked questions

  1. Are these calculators free to use? Yes, all our contractor calculators are free and can be used as many times as you like. No sign-up is required.
  2. Which calculator should I use? It depends on what you want to calculate. For example, use the Inside vs Outside IR35 Calculator to compare IR35 pay scenarios, or the Umbrella Take-home Pay Calculator if you are working through an umbrella company.
  3. How accurate are the results? The calculators are designed to provide practical estimates using relevant UK tax rates and thresholds. Actual results may vary depending on personal circumstances, payroll treatment and professional advice.
  4. Can I use these calculators on my phone? Yes, the calculators are designed to be mobile-friendly and should work on modern devices with an internet connection.
  5. Do the calculators work for the latest tax year? We aim to keep the calculators updated to reflect relevant tax rates, allowances and thresholds for the stated tax year.
  6. Do I need to enter personal details to use them? No, you can use the calculators anonymously. They are designed to work without requiring a login or personal account.
  7. Can I download these calculators for offline use? Selected contractor calculators may be available as Excel downloads for offline use. These are intended to support practical planning and record-keeping.

Calculations reviewed by Nikunja Shah

Calculations on this page have been reviewed and verified to support accuracy and alignment with current UK tax regulations for the 2026 tax year.