£1,000 a day: take-home pay 2026/27
Last updated:
What a £1,000 day rate actually pays in 2026/27, worked both ways: inside an umbrella company and outside via your own limited company. Figures assume 220 chargeable days a year, the standard 46-week umbrella model and a £12,570 salary under LTD. Computed live from the same verified tax engine that powers the take-home calculator — never typed in by hand.
| Umbrella | Limited company | |
|---|---|---|
| Gross assignment (220 days) | £220,000 | £220,000 |
| Annual take-home | £113,198 | £118,473 |
| Monthly take-home | £9,433 | £9,873 |
| Effective take-home rate | 52% | 54% |
How the £1,000 rate breaks down
Umbrella route: income tax £67,659, employee NI £5,743, employer NI £32,250 and the umbrella margin come off the top before your take-home. LTD route: corporation tax £51,558 on profits, dividend tax £47,634, plus salary £12,570 and accountancy costs.
Is £1000 a good day rate?
Check tonight's live percentiles for your role: project manager · business analyst · software engineer · all roles. At £1,000 you're comparing against the top quartile of most professional categories.
Illustration only — assumptions and the full methodology are on the 2026/27 tax page. Not tax advice; verify at gov.uk.
Email me outside-IR35 roles at £1000+ a day
Free vs Pro alerts — instant Telegram on Pro.
Nearby rates: £300/day · £350/day · £400/day · £450/day · £500/day · £600/day · £700/day · £800/day · £900/day