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      Our inside IR35 calculator looks at the financial implications of being caught by the IR35 tax legislation. Enter the relevant information in the input fields and our Inside IR35 Calculator will calculate the impact of working Inside IR35 via an umbrella company.

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      Our Outside IR35 calculator looks at the financial implications of operating as a genuine business, outside of the IR35 rules. Enter the relevant information in the input fields and our Outside IR35 Calculator will calculate the impact of working Outside IR35 via a limited company.

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      Use our salary calculator to calculate your take home pay while working as a permanent employee. Enter your salary below to check tax deductions and total income.

  • Guides
    • IR35

    • Umbrella Companies

    • Limited Companies

    • First Time Contractors

    • The Ultimate Guide to IR35

      Understanding IR35 and whether you fall inside or outside can be a challenge. Much information surrounds the legislation, its technicalities and how it could impact you as a contractor. Our comprehensive guide covers all you need to know.

      • What Is IR35?

        Understanding the off-payroll legislation

      • Inside IR35

        Contractors taxed as employees via PAYE

      • Outside IR35

        Contractors operating via a limited company

      • The Cost of IR35

        Financial implications for contractors

      • IR35 Assessments

        Determining employment status

      • IR35 Rules

        The 'disguised employment' legislation

      • IR35 Compliance

        Strategies for avoiding penalties

      • Expenses

        Rules for allowable claims under IR35 

      • Foreign Companies

        UK contractors with overseas clients

      • Overseas Contractors

        How IR35 applies to non-UK based workers

      • Limited Companies

        Using personal service companies

      • Sole Traders

        IR35 for the non-incorporated

      The Ultimate Guide to Umbrella Companies

      Understanding umbrella companies, when to use them, and what sets them apart from other structures is essential. With so much information to digest - from taxes and fees to payslips and compliance - it’s no surprise that contractors often seek clarity.

      • What Is An Umbrella Company?

        Intermediaries for employment services

      • Choosing an Umbrella Company

        Key factors in evaluating reliability and cost

      • Tax and Pay

        Risks of non-compliant umbrella companies

      • Tax Avoidance

        Deductions and take-home pay

      • Fees (Margin)

        Costs deducted by umbrella companies

      • National Insurance

        Employer and employee deductions

      • Holiday Pay

        Accrued entitlement or advanced payment

      • Expenses

        Reimbursement policies and HMRC guidance

      • Pensions

        Automatic enrollment or self-invested

      • Maternity Pay

        Eligibility and process for Statutory Maternity

      • Sick Pay

        Statutory Sick Pay while working inside IR35

      The Ultimate Guide to Limited Companies

      This guide is designed to help you navigate everything related to limited companies; from deciding if this structure suits your needs to managing the ongoing administration involved. You will learn about registering with Companies House, appointing directors, setting up a business bank account, and meeting your compliance obligations. We also delve into the day-to-day administration required to run a limited company, including how to stay aligned with HMRC regulations.

      • What Is A Limited Company?

        Distinct entities offering liability protection

      • Limited Company vs Sole Trader

        Structure, responsibilities and benefits

      • Incorporation

        Steps to register your limited company

      • Taxes

        Learning tax liabilities for limited enterprises

      • Filing Responsibilities

        Annual filings and tax returns

      • Bookkeeping

        Maintaining accurate financial records

      • Insurance

        Cover required by limited company owners

      • Expenses

        Allowable costs that reduce taxable profit

      • Buying a Car or Van

        Implications for company-owned vehicles

      • Capital Allowances

        Tax relief on equipment and asset purchases

      • Benefits In Kind

        Perks provided to directors and employees

      • Pensions

        Contributions through your limited company

      • Employing A Spouse

        Considerations for hiring family members

      • Managing Excess Money

        Investment strategies for surplus funds

      • Dormant Companies

        Responsibilities for dormant companies

      • Closing Your Company

        Dissolution or voluntary strike-off

      • Withdrawing Money

        Efficient split of salary and dividends

      • Business Asset Disposal Relief

        Tax benefits on selling company shares

      The Ultimate Guide For First Time Contractors

      This guide on becoming a contractor is written by contractors for contractors. It will provide insight that will (hopefully) allow you to look at your situation objectively, offering practical tips and checklists to help you succeed.

      • How To Become A Contractor

        Steps to transition into contracting

      • Inside IR35 Checklist

        Key considerations for operating inside IR35

      • Outside IR35 Checklist

        Ensuring independent contractor status

      • Self-Assessment Tax Returns

        Filing tax returns to remain HMRC compliant

      • Mortgages

        Securing a home loan as a contractor

      • Pensions

        Planning for retirement as a contractor

      • Working Multiple Contracts

        Managing the complexities of multiple roles

      • What is the £100k Abatement?

        Personal allowance reduction over £100k

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  • What Is IR35?

    Understanding the off-payroll legislation

  • Inside IR35

    Contractors taxed as employees via PAYE

  • Outside IR35

    Contractors operating via a limited company

  • The Cost of IR35

    Financial implications for contractors

  • IR35 Assessments

    Determining employment status

  • IR35 Rules

    The 'disguised employment' legislation

  • IR35 Compliance

    Strategies for avoiding penalties

  • Expenses

    Rules for allowable claims under IR35 

  • Foreign Companies

    UK contractors with overseas clients

  • Overseas Contractors

    How IR35 applies to non-UK based workers

  • Limited Companies

    Using personal service companies

  • Sole Traders

    IR35 for the non-incorporated

  • What Is An Umbrella Company?

    Intermediaries for employment services

  • Choosing an Umbrella Company

    Key factors in evaluating reliability and cost

  • Tax and Pay

    Risks of non-compliant umbrella companies

  • Tax Avoidance

    Deductions and take-home pay

  • Fees (Margin)

    Costs deducted by umbrella companies

  • National Insurance

    Employer and employee deductions

  • Holiday Pay

    Accrued entitlement or advanced payment

  • Expenses

    Reimbursement policies and HMRC guidance

  • Pensions

    Automatic enrollment or self-invested

  • Maternity Pay

    Eligibility and process for Statutory Maternity

  • Sick Pay

    Statutory Sick Pay while working inside IR35

  • What Is A Limited Company?

    Distinct entities offering liability protection

  • Limited Company vs Sole Trader

    Structure, responsibilities and benefits

  • Incorporation

    Steps to register your limited company

  • Taxes

    Learning tax liabilities for limited enterprises

  • Filing Responsibilities

    Annual filings and tax returns

  • Bookkeeping

    Maintaining accurate financial records

  • Insurance

    Cover required by limited company owners

  • Expenses

    Allowable costs that reduce taxable profit

  • Buying a Car or Van

    Implications for company-owned vehicles

  • Capital Allowances

    Tax relief on equipment and asset purchases

  • Benefits In Kind

    Perks provided to directors and employees

  • Pensions

    Contributions through your limited company

  • Employing A Spouse

    Considerations for hiring family members

  • Managing Excess Money

    Investment strategies for surplus funds

  • Dormant Companies

    Responsibilities for dormant companies

  • Closing Your Company

    Dissolution or voluntary strike-off

  • Withdrawing Money

    Efficient split of salary and dividends

  • Business Asset Disposal Relief

    Tax benefits on selling company shares

  • How To Become A Contractor

    Steps to transition into contracting

  • Inside IR35 Checklist

    Key considerations for operating inside IR35

  • Outside IR35 Checklist

    Ensuring independent contractor status

  • Self-Assessment Tax Returns

    Filing tax returns to remain HMRC compliant

  • Mortgages

    Securing a home loan as a contractor

  • Pensions

    Planning for retirement as a contractor

  • Working Multiple Contracts

    Managing the complexities of multiple roles

  • What is the £100k Abatement?

    Personal allowance reduction over £100k

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