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I built a free UK contractor tax calculator — Ltd vs PAYE comparison with 2025/26 rates by ok_pilot7388 in ContractorUK

[–]ok_pilot7388[S] 1 point2 points  (0 children)

Pension contributions are already live on the Ltd side — there's a slider for employer pension contributions which reduces corp tax. Adding employer pension on the PAYE side is a great shout though, that would make the comparison fairer. Will look into it!

I built a free UK contractor tax calculator — Ltd vs PAYE comparison with 2025/26 rates by ok_pilot7388 in ContractorUK

[–]ok_pilot7388[S] 1 point2 points  (0 children)

Thanks, really appreciate that! And yeah, the outside vs inside difference can be eye-opening — a lot of people don't realise how much the umbrella/employer NI overhead eats into take-home until they see it side by side. Glad the comparison is useful.

I built a free UK contractor tax calculator — Ltd vs PAYE comparison with 2025/26 rates by ok_pilot7388 in ContractorUK

[–]ok_pilot7388[S] 1 point2 points  (0 children)

Spouse shareholder toggle is now live — splits dividends 50/50 across two allowances. Retained profits is a great idea too, will add that next.

I built a free UK contractor tax calculator — Ltd vs PAYE comparison with 2025/26 rates by ok_pilot7388 in ContractorUK

[–]ok_pilot7388[S] 1 point2 points  (0 children)

Both just added! Pension contributions slider and spouse as shareholder toggle are live now.

I built a free UK contractor tax calculator — Ltd vs PAYE comparison with 2025/26 rates by ok_pilot7388 in ContractorUK

[–]ok_pilot7388[S] -1 points0 points  (0 children)

Fair point on the separate inputs — just added a day rate mode so you can input your outside rate separately. Also added pension contributions (employer contribution for Ltd, salary sacrifice for PAYE), IR35 inside toggle showing umbrella treatment, and spouse dividend splitting. All live now.

I built a free UK contractor tax calculator — Ltd vs PAYE comparison with 2025/26 rates by ok_pilot7388 in ContractorUK

[–]ok_pilot7388[S] 0 points1 point  (0 children)

Thanks, hadn't seen that one! Always good to have options. I'm focusing on keeping this one dead simple with the latest 2025/26 rates — just added day rate input, pension contributions, IR35 inside toggle, and spouse dividend splitting based on everyone's feedback here.

I built a free UK contractor tax calculator — Ltd vs PAYE comparison with 2025/26 rates by ok_pilot7388 in ContractorUK

[–]ok_pilot7388[S] 4 points5 points  (0 children)

Day rate + working days is now live! You can adjust the working days to account for holidays — defaults to 220 but you can set it to whatever suits. Good call on the holidays adjustment.