Take-home pay outside IR35, inside IR35 through an umbrella or agency PAYE, and as a permanent employee – side by side
Secure checkout. Your file is ready in your client portal as soon as payment clears.

Contract rates are often quoted differently inside and outside IR35, so a straight comparison of day rates can mislead. This workbook takes each rate through every deduction to show what actually reaches your bank account – and what goes into your pension – for a full year.
See how it works
The sheets you will use most, in the order you will use them – shown with the sample data every workbook comes with.
Step 1
Take-home pay under each way of working. What you do: nothing to enter.


Step 2
Key status questions with your answers. What you do: work through the checklist.
Step 3
Day rate, days worked and expenses. What you do: enter your contract details.

Step 4
Who it is for
Quick start
Your file is only released to your client portal once payment has cleared.
You are taken to our secure checkout.
Checkout takes a minute and you get a receipt by email.
Your file is ready in your client portal as soon as payment clears, and we email you your invoice with a link to the portal.
We can adapt any prebuilt solution or build something bespoke, with a lifetime bug-free guarantee.
Part of AML Finance Group
Our sister firm, AML Accountancy Solutions, is an award-winning accountancy practice helping businesses and individuals across the UK with their accounts, tax, bookkeeping and payroll.
Visit AML Accountancy Solutions