Our Toolkit
Financial Tools for Contractors
Every tool is free to use, privacy-first, and updated for the 2025/26 tax year. No signup or personal data required.
Take-Home Pay Calculator
Detailed breakdown of your net salary for 2025/26 including Income Tax, NI, and student loans.
Go to CalculatorIR35 Status Checker
Self-assessment tool to determine if your contract falls inside or outside IR35 legislation.
Go to CalculatorDividend vs Salary
Compare the total tax paid and net take-home between basic salary and dividend payment models.
Go to CalculatorWait, which one do I need?
If you’re new to contracting, start with the IR35 Checker to determine your employment status. Once you know your status, the Take-Home Pay calculator will show you exactly what to expect in your bank account each month.