Contractor take home pay calculator (9 sources)
The UK Contractor Deduction Table carries 9 published figures read from 12 sources' own pages, from 242 to 250,000 GBP, read 26 September 2026.
- 12242 to 41,868
- 141,868 to 83,495
- 183,495 to 125,121
- 1125,121 to 166,747
- 166,747 to 208,374
- 1208,374 to 250,000
Bands
| Bucket | Value |
|---|---|
| 242 to 41,868 | 12 sources |
| 41,868 to 83,495 | 1 source |
| 83,495 to 125,121 | 1 source |
| 125,121 to 166,747 | 1 source |
| 166,747 to 208,374 | 0 sources |
| 208,374 to 250,000 | 1 source |
12 of the 17 named sources read in full publish a figure; 4 publish none, read 26 September 2026.
The median is up 1,854.50 GBP since 25 September 2026 (was 5,647 GBP across 20).
Every figure, with its source
One row per source: the figure the source's own page publishes, the page, and the day it was read. A figure that is not on a page we read is not on this one.
The sentence each figure was read from (43)
- GOV.UK, pension annual allowance, read 2026-09-11:
your ‘threshold income’ is over £200,000 your ‘adjusted income’ is over £260,000
- GOV.UK, corporation tax rates, read 2026-09-26:
If your company made more than £250,000 profit, you’ll pay the main rate of Corporation Tax.
- GOV.UK, income tax rates and personal allowances, read 2026-09-26:
This means your allowance is zero if your income is £125,140 or above.
- GOV.UK, income tax rates and personal allowances, read 2026-09-26:
Your personal allowance goes down by £1 for every £2 that your adjusted net income is above £100,000.
- GOV.UK, pension annual allowance, read 2026-09-11:
You’ll only pay tax if you go above the annual allowance. This is £60,000 this tax year.
- GOV.UK, apprenticeship levy, read 2026-09-25:
The allowance reduces the amount of Apprenticeship Levy you have to pay by £15,000 across the year.
- GOV.UK, income tax rates and personal allowances, read 2026-09-26:
The standard Personal Allowance is £12,570, which is the amount of income you do not have to pay tax on.
- GOV.UK, self-employed National Insurance rates, read 2026-09-26:
If your profits are more than £12,570 a year, you must pay Class 4 contributions.
- GOV.UK, Employment Allowance, read 2026-09-19:
You can still claim the allowance if your liability was less than £10,500 a year.
- GOV.UK, self-employed National Insurance rates, read 2026-09-26:
You can see National Insurance rates for past tax years. If your profits are less than £7,105 a year
- GOV.UK, rates and allowances: National Insurance contributions, read 2026-09-26:
All employees pay a lower rate of National Insurance above this point £4,189 £4,189 £4,189 £4,189 £4,189
- GOV.UK, rates and allowances: National Insurance contributions, read 2026-09-26:
Primary Threshold (PT) Employees start paying National Insurance £1,048 £1,048 £1,048 £1,048 £1,048
- GOV.UK, rates and allowances: National Insurance contributions, read 2026-09-26:
All employees pay a lower rate of National Insurance above this point £967 £967 £967 £967 £967
- GOV.UK, rates and allowances: National Insurance contributions, read 2026-09-26:
Secondary Threshold (ST) Employers start paying National Insurance £417 £417 £758 £758 £758
- GOV.UK, tax on dividends, read 2026-09-26:
You also get a dividend allowance of £500 each year.
- GOV.UK, rates and allowances: National Insurance contributions, read 2026-09-26:
Primary Threshold (PT) Employees start paying National Insurance £242 £242 £242 £242 £242
- gov.uk, read 2026-09-19:
The standard employee personal allowance for the 2026 to 2027 tax year is: £242 per week
- GOV.UK, rates and allowances: National Insurance contributions, read 2026-09-26:
Secondary Threshold (ST) Employers start paying National Insurance £96 £96 £175 £175 £175
- gov.uk, read 2026-09-19:
Top tax rate 48% Above £125,140
- gov.uk, read 2026-09-19:
Additional tax rate 45% Above £125,140
- gov.uk, read 2026-09-19:
Advanced tax rate 45% From £62,431 to £125,140
- gov.uk, read 2026-09-19:
Higher tax rate 42% From £31,093 to £62,430
- gov.uk, read 2026-09-19:
Higher tax rate 40% From £37,701 to £125,140
- GOV.UK, tax on dividends, read 2026-09-26:
Additional rate 39.35%
- GOV.UK, tax on dividends, read 2026-09-26:
Higher rate 35.75%
- gov.uk, read 2026-09-19:
Intermediate tax rate 21% From £16,957 to £31,092
- gov.uk, read 2026-09-19:
Basic tax rate 20% Up to £37,700
- gov.uk, read 2026-09-19:
Basic tax rate 20% From £3,968 to £16,956
- GOV.UK, corporation tax rates, read 2026-09-26:
If your company made a profit of £50,000 or less, you’ll pay the ‘small profits rate’, which is 19%.
- gov.uk, read 2026-09-19:
Starter tax rate 19% Up to £3,967
- GOV.UK, VAT flat rate scheme percentages, read 2026-09-26:
This means you pay a higher rate of 16.5%.
- GOV.UK, National Insurance rates and category letters, read 2026-09-19:
A 15% 15% 15%
- GOV.UK, tax on dividends, read 2026-09-26:
Basic rate 10.75%
- GOV.UK, student loan repayment thresholds, read 2026-09-26:
9% of your income over the threshold if you’re on Plan 1, 2, 4 or 5
- GOV.UK, National Insurance rates and category letters, read 2026-09-19:
A 0% 8% 2%
- GOV.UK, student loan repayment thresholds, read 2026-09-26:
6% of your income over the threshold if you’re on a Postgraduate Loan plan
- GOV.UK, student loan repayment thresholds, read 2026-09-26:
You’re currently charged: 4.1% if you’re on Plan 1
- GOV.UK, self-employed National Insurance rates, read 2026-09-26:
The Class 2 rate for tax year 2026 to 2027 is £3.65 a week.
- GOV.UK, apprenticeship levy, read 2026-09-25:
All sectors must pay the levy if they have an annual pay bill of over £3 million (including any connected companies or charities).
- GOV.UK, student loan repayment thresholds, read 2026-09-26:
You’re usually charged a set interest rate of the Retail Price Index (RPI) plus 3%, but there’s currently a limit (or ‘cap’) of 6%.
- GOV.UK, VAT flat rate scheme percentages, read 2026-09-26:
You’re classed as a ‘limited cost business’ if your goods cost less than either: 2% of your turnover
- GOV.UK, VAT flat rate scheme percentages, read 2026-09-26:
You may pay a different rate if you only spend a small amount on goods. You get a 1% discount if you’re in your first year as a VAT-registered business.
- GOV.UK, apprenticeship levy, read 2026-09-25:
Apprenticeship Levy is an amount paid at a rate of 0.5% of an employer’s annual pay bill.
Read in full, publishes no figure
4 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- GOV.UK, personal allowance taper over £100,000, read 2026-09-11: every candidate on the page was refused
- Scottish Government, income tax policy and rates, read 2026-09-11: read in full and no accepted figure on the page
- GOV.UK / HMRC, understanding off-payroll working (IR35), read 2026-09-12: read in full and no accepted figure on the page
- Income Tax (Earnings and Pensions) Act 2003, Part 2 Chapter 8 (the intermediaries legislation), read 2026-09-26: every candidate on the page was refused
Methodology
Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).
12 of the 17 named sources that could be read published a usable figure; 4 published none and are recorded as not published, never filled in; 1 could not be read (blocked, dead or unreachable) and count nowhere.
The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in GBP (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 85 candidate sentence(s) were refused by a reviewer with the reason recorded.
Derivation as chartered: one row per statutory deduction per tax year per UK country, quoted verbatim from HMRC or the Scottish Government with the date it takes effect: income tax bands and the personal allowance taper, employee and employer National Insurance thresholds and rates, Class 2 and Class 4, dividend rates and allowance, corporation tax marginal relief, the VAT flat rate percentage by trade, student loan plan thresholds, the pension annual allowance, the Employment Allowance and the apprenticeship levy.
What nobody publishes is the JOIN: the effective take-home percentage of the same day rate under each trading route (umbrella PAYE, inside IR35 deemed payment, outside IR35 limited company on a salary-plus-dividend split, sole trader), per country, per tax year, and the year-on-year change in that percentage - which is the answer the buyer's four keywords are actually asking for.
85 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (18)
- GOV.UK, income tax rates and personal allowances (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, personal allowance taper over £100,000 (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, rates and thresholds for employers 2026 to 2027 (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, National Insurance rates and category letters (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, rates and allowances: National Insurance contributions (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, self-employed National Insurance rates (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, tax on dividends (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, corporation tax rates (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, VAT flat rate scheme percentages (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, student loan repayment thresholds (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, pension annual allowance (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, Employment Allowance (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, apprenticeship levy (the publisher's own terms; quoted for reporting and comment)
- GOV.UK, national minimum wage rates (the publisher's own terms; quoted for reporting and comment)
- Scottish Government, income tax policy and rates (the publisher's own terms; quoted for reporting and comment)
- GOV.UK / HMRC, understanding off-payroll working (IR35) (the publisher's own terms; quoted for reporting and comment)
- Income Tax (Earnings and Pensions) Act 2003, Part 2 Chapter 8 (the intermediaries legislation) (the publisher's own terms; quoted for reporting and comment)
- gov.uk (the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
The UK Contractor Deduction Table carries 9 published figures read from 12 sources' own pages, from 242 to 250,000 GBP, read 26 September 2026.
12 of the 17 named sources read in full publish a figure; 4 publish none, read 26 September 2026.
The median is up 1,854.50 GBP since 25 September 2026 (was 5,647 GBP across 20).
Cite as: "contractorpaycalculator.co.uk UK Contractor Deduction Table", updated 2026-09-26, https://contractorpaycalculator.co.uk/datasets/uk-contractor-deduction-table/.
Download the CSV (43 rows, computed 2026-09-26)