Guides on IR35, contractor take-home pay, and the April 2026 changes. Use the calculator to see your numbers.
6 April 2026 has passed. The small company threshold changed, umbrella PAYE rules are live, and tax bands are frozen. Here’s what UK contractors need to check right now.
Read article →IR35 explained from scratch — what it means, how your status is determined, what inside vs outside IR35 actually costs you, and what’s changing in April 2026. The complete contractor guide.
Read article →From 6 April 2026, recruitment agencies take on PAYE responsibility for umbrella workers. What changes, who’s affected, and whether you should switch to a limited company.
Read article →From 6 April 2026, around 14,000 companies reclassify as “small” and hand IR35 responsibility back to contractors. What it means, who’s affected, and what to do now.
Read article →What’s the actual take-home pay difference between inside and outside IR35? Real numbers at every day rate, with the April 2025 employer NI changes factored in.
Read article →CEST usage dropped 73% since 2021. One in five results is “undetermined”. The tool ignores Mutuality of Obligation. Here’s what’s wrong and what to use instead.
Read article →Your IR35 status comes down to three tests — Supervision, Direction & Control; Right of Substitution; and Mutuality of Obligation. Here’s what each means and how HMRC weighs them, including the 2024 PGMOL ruling that changed MOO.
Read article →A practical checklist covering every key IR35 clause — substitution, control, MOO, financial risk, exclusivity — plus the working practices evidence HMRC will actually look at. Know your position before you sign.
Read article →The difference can be £10,000–£20,000 per year — but it depends almost entirely on your IR35 status. Real take-home figures at £300–£700/day, the April 2026 umbrella PAYE changes, and which structure is right for your situation.
Read article →What triggers an HMRC IR35 compliance check, how the process unfolds stage by stage, how far back HMRC can go (up to 6 years), and the practical steps to protect yourself before an investigation starts.
Read article →How much does IR35 insurance cost? Qdos from £99/year, Kingsbridge IR35 Protect from around £199. What’s covered, whether you need it inside or outside IR35, and what drives the price up.
Read article →Free IR35 SDS template — inside and outside IR35 versions. Covers mandatory elements, the 45-day challenge process, and what changes for small companies from 6 April 2026.
Read article →All four IR35-related changes from 6 April 2026 in one place — small company threshold increase, umbrella PAYE rules, employer NI rise, and what stays exactly the same.
Read article →Your contract says outside IR35 — but what happens when HMRC asks for proof? Working practices logs, substitution records, and everything else you should be keeping.
Read article →Moving inside IR35? You need a 22-23% rate uplift to keep the same take-home. Exact figures at £300-£800/day, what agencies actually offer, and how to negotiate.
Read article →Inside IR35 cuts your provable income by ~20%. How lenders assess contractors, which brokers specialise in IR35, and how to maximise your borrowing.
Read article →Inside IR35? Salary sacrifice pension contributions reduce your PAYE bill and employer NI. How much you save at every day rate — 2026/27 figures.
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