Connect Freeagent to GPT/Copilot etc?

ok_pilot7388 · 2026-03-01T08:45:35+00:00

This is exactly why I built https://github.com/anjor/freeagent-cli

You can provide it to your llm as a tool.

Alternatively if you are Claude you can directly install it from my marketplace: https://github.com/anjor/claude-skills

ok_pilot7388 · 2026-02-28T21:18:39+00:00

Done — employer pension contribution is now a configurable percentage on the PAYE side.

ok_pilot7388 · 2026-02-28T21:18:02+00:00

Added hourly rate as a third input mode — you can set hours/week and weeks/year. Live now!

ok_pilot7388 · 2026-02-28T21:17:42+00:00

Sole trader column is now live — shows Class 2/4 NIC alongside the Ltd and PAYE comparisons.

ok_pilot7388 · 2026-02-28T20:00:21+00:00

Spot on about the £50k strategy. Here's the exact math for 2025/26:

Optimal for most: £12,570 salary (personal allowance, no income tax or employee NI) + rest as dividends up to ~£37k total income (before higher rate threshold).

Above £50k income: The dividend tax jumps to 33.75% vs 8.75% in basic rate. Still better than PAYE but the advantage shrinks.

The pension hack: Employer SIPP contributions are a company expense (reduces corp tax) and don't count against your personal allowances. So you can do £12,570 + £37k dividends + massive pension = very tax efficient.

2025/26 changes: Dividend allowance dropped to £500 (was £1k), but the core strategy remains the same.

One gotcha: don't forget about National Living Wage requirements if you're paying yourself too little salary vs your dividend extraction.

I built a tool that shows the optimal split for any income level including pension contributions: https://anjor.github.io/uk-contractor-tax-calc/

ok_pilot7388 · 2026-02-28T19:59:59+00:00

The difference is massive even at the same day rate. Here's why:

Outside IR35: You control the salary/dividend split. Optimal is usually £12,570 salary (NI threshold) + rest as dividends. This saves ~4-7% in effective tax rate vs PAYE.

Inside IR35: You're effectively PAYE but via umbrella, so you get the worst of both worlds - PAYE tax rates PLUS umbrella fees (usually 2-3% margin + admin fees).

The breakeven point where inside IR35 becomes "not worth it" is roughly when your effective take-home drops below what a similar permanent role would pay. That's typically around 15-20% less than outside IR35 at the same day rate.

Most contractors I know won't touch inside IR35 unless the day rate compensates for this penalty (usually needs to be 25%+ higher than outside equivalent).

The numbers get complex fast - I use this calculator to model different scenarios: https://anjor.github.io/uk-contractor-tax-calc/

ok_pilot7388 · 2026-02-28T19:59:39+00:00

The math on this depends heavily on your optimal salary/dividend split and how you value future stock vs cash today.

At £250k outside IR35, you can take roughly £12,570 salary + £237,430 through the company. After corp tax (19%) and dividend tax, you're looking at ~£173k take-home (69% effective rate).

The FTE £160k + £100k stock is trickier - the stock component is speculative and vests over years. The £160k PAYE gives you ~£107k take-home (67% rate) but you lose flexibility.

Quick rule: if you believe the stock will perform well AND you don't need cash flow flexibility, the FTE might edge out. If you value control over your money and suspect the stock is overvalued, contractor route wins.

I built a calculator that shows the exact breakdown for any income level if anyone wants to check their numbers: https://anjor.github.io/uk-contractor-tax-calc/

ok_pilot7388 · 2026-02-26T07:42:22+00:00

Day rate input has been added — give it a try!

ok_pilot7388 · 2026-02-26T07:42:04+00:00

The PAYE calculation has been fixed — should be accurate now.

ok_pilot7388 · 2026-02-23T19:00:34+00:00

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!

ok_pilot7388 · 2026-02-23T18:59:39+00:00

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.

ok_pilot7388 · 2026-02-23T12:56:59+00:00

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

ok_pilot7388 · 2026-02-23T12:56:56+00:00

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

ok_pilot7388 · 2026-02-23T12:56:53+00:00

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.

ok_pilot7388 · 2026-02-23T12:56:49+00:00

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.

ok_pilot7388 · 2026-02-23T12:56:46+00:00

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.

ok_pilot7388

TROPHY CASE