Back to Nebula
Take-Home Calculator

See your real take-home
as a Ltd contractor.

Move the sliders to estimate your annual take-home through a Ltd company vs. an umbrella/PAYE arrangement. Based on 2025/26 UK tax rates for a single director operating outside IR35. An illustrative estimate — not tax advice.

Take-home calculator

£500
£100£800
220
100250
£300
£0£2,000
Advanced options Pension & other tax

Model employer pension contributions, other income and student-loan repayments. Join the waitlist to unlock — it's free.

No card required  ·  Unlocks instantly

Assumes a single-director PSC outside IR35 on 2025/26 rates, £12,570 director's salary, and all post-tax profit taken as dividends in-year.
Estimated annual take-home — via Ltd company
£0
~£0 more than umbrella/PAYE
Ltd
£0
Umbrella
£0
Company revenue£0
Allowable expenses£0
Director's salary£0
Corporation Tax£0
Dividends drawn£0
Dividend tax£0
Net take-home£0

Estimate only, based on 2025/26 rates. Your circumstances may differ — Nebula's optimiser models your exact position. Not a substitute for advice from a qualified accountant.

Join the Waitlist

Be first in line when Nebula opens up. IR35 assessments, MTD filing, and salary/dividend optimisation — all in one platform built for UK Ltd contractors.

No card required  ·  Early access  ·  No commitment

FCCA-Founded · IR35-Auditable · MTD ITSA-Ready · UK-Sovereign Data · GDPR-Compliant