See your real take-home
as a Ltd contractor.
Move the sliders to compare your yearly take-home through a Ltd company with an umbrella company. An illustration, not tax advice.
Take-home calculator
Sharpen the estimate with your real position: employer pension contributions, other income and student-loan repayments all change your take-home. Join the waitlist to unlock them. It's free.
Paid straight into your pension before Corporation Tax, so it lowers your take-home here, but the money lands in your pension pot rather than being lost to tax.
The umbrella route assumes the umbrella company keeps a month as its margin and passes on the 0.5% Apprenticeship Levy. Umbrella fees vary, so set yours.
An estimate on the rules for the 2026 to 2027 tax year. Your own position may differ. Not a substitute for advice from a qualified accountant.
Join the waitlist →Join the Waitlist
This is an estimate. Inside Nebula, your salary and dividends, the Corporation Tax to set aside and your IR35 status are worked out from your own books, with the law shown. Not open yet.