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Day rate ↔ salary.

Compare contract and permanent pay on the same basis: what the role costs you over a year. Every assumption is visible and editable.

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£
Assumptions
Contractors aren’t paid for holidays or bank holidays. 220 is a common planning figure.
15%
Charged on salary above £5,000 (2026/27 rates). Check current HMRC rates.
3%
3% is the auto-enrolment minimum.
5%
Bonus, healthcare, training, kit.

Comparable permanent salary

£0

Contractor cost per year£0
Salary£0
Employer NI£0
Pension£0
Other benefits£0
Total cost of a permanent hire£0

Compares total annual cost to you. It doesn’t include agency fees, recruitment costs, IR35 status or the contractor’s own tax position, and isn’t tax advice.

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