Day Rate DeskDay rates
Day rates · inside IR35 · 2026/27
Take-home for every day rate
From £300 to £1,000 a day, the share of your invoice that reaches your bank falls from 65p to 51p in the pound. The £100k trap starts at about £504 a day and runs to about £630.
| Day rate | Invoice a year | Take-home a month | Take-home a year | Kept of each £1 | Extra £1 keeps | Band |
|---|---|---|---|---|---|---|
| £300 a day | £69,000 | £3,750 | £45,006 | 65p | 50p | 40% |
| £350 a day | £80,500 | £4,232 | £50,781 | 63p | 50p | 40% |
| £400 a day | £92,000 | £4,713 | £56,556 | 61p | 50p | 40% |
| £450 a day | £103,500 | £5,194 | £62,331 | 60p | 50p | 40% |
| £500 a day | £115,000 | £5,675 | £68,105 | 59p | 50p | 40% |
| £550 a day | £126,500 | £6,004 | £72,045 | 57p | 33p | £100k trap |
| £600 a day | £138,000 | £6,319 | £75,828 | 55p | 33p | £100k trap |
| £650 a day | £149,500 | £6,684 | £80,205 | 54p | 46p | 45% |
| £700 a day | £161,000 | £7,123 | £85,482 | 53p | 46p | 45% |
| £750 a day | £172,500 | £7,563 | £90,759 | 53p | 46p | 45% |
| £800 a day | £184,000 | £8,003 | £96,036 | 52p | 46p | 45% |
| £850 a day | £195,500 | £8,443 | £101,313 | 52p | 46p | 45% |
| £900 a day | £207,000 | £8,882 | £106,590 | 51p | 46p | 45% |
| £950 a day | £218,500 | £9,322 | £111,867 | 51p | 46p | 45% |
| £1,000 a day | £230,000 | £9,762 | £117,144 | 51p | 46p | 45% |
Assumes 2026/27 rates in England, Wales or Northern Ireland, 5 days a week for 46 weeks, a £25-a-week umbrella fee, the apprenticeship levy, tax code 1257L, no pension and no student loan. Holiday pay is already inside these figures. Open any rate for the full breakdown, or use the calculator for your own details.
General information for the 2026/27 tax year, not financial or tax advice. Figures are estimates: your payslip can differ because of rounding, your umbrella's method and your tax code. For decisions about pensions, mortgages or tax returns, speak to a regulated adviser or accountant.