§ Contractor calculator · £400/day
£400/day contractor
take-home calculator.
At £400/day (5 days × 46 weeks = annual gross £92,000), here's what each contracting structure actually pays in the 2026/27 tax year.
§ Quick answer
At £400/day, the most tax-efficient structure is permanent salary at £63,917 net annual — an effective tax rate of 30.52%.
- Outside IR35 (Ltd)
- £61,432/yr
- Inside IR35 (Umbrella)
- £56,556/yr
- Permanent salary
- £63,917/yr
Mid-senior contractor rate. Common for software developers, BA/PMs, marketing consultants.
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