PayBreakdown - Salary Calculator & Budget Manager

Off-payroll working calculator

Plan off-payroll working pay scenarios for contractors, agencies, clients, fee-payers, and deemed employers.

What this page helps with

Off-payroll working is the official wording behind many IR35 searches. This page captures off-payroll, deemed employer, fee-payer, status determination, and contractor take-home wording.

Official sources

Income Tax rates and Personal AllowancesNational Insurance rates and categoriesStudent loan repayment thresholdsPension tax reliefNational Minimum Wage and National Living Wage ratesStatutory Maternity Pay and LeaveStatutory Sick PayFCA guidance on misleading financial promotionsOff-payroll working and IR35 guidanceUnderstanding off-payroll workingSalary sacrifice for employersNHS Employers pay scales 2026/27NHS Health Careers Agenda for Change pay rates

Frequently asked questions

Is the off-payroll working calculator financial advice?

No. PayBreakdown pages are planning routes and calculator entry points only. Use official sources, employer documents, lender information, or a qualified adviser before making important decisions.

Can I adjust the assumptions?

Yes. The related calculators let you change salary, tax, pension, student loan, budget, mortgage, loan, or debt assumptions where the current tool supports them.

Last updated 2026-05-07. Planning estimates only. Not financial advice.