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FREE TOOL — FOR TRADESPEOPLE

What do you really take home?

Turn your day rate into money in your pocket after tax and National Insurance, and see whether you may be due a CIS tax refund.

  • Updated for the 2026/27 tax year
  • England, Wales & NI
  • No sign-up
Tradesman on site checking his CIS statement with a calculator

Your numbers

Change anything — the results update as you type.

46 allows for holidays, bank holidays and gaps between jobs.
Tools, van and fuel, insurance, phone, PPE, accountant.
This is an estimate for England, Wales and Northern Ireland, not tax advice. Check your own figures with an accountant or HMRC.

Estimated CIS tax refund

£0
Tax year 2026/27
  • Invoiced (labour)£0
  • CIS deducted (20%)£0
  • Business expenses£0
  • Taxable profit£0
  • Income tax£0
  • Class 4 National Insurance£0
  • Total tax and NI£0

CIS isn't an extra tax. It's an advance on your Income Tax and NI — overpaid tax comes back through Self Assessment.

You may be due a refund of about £0. CIS is taken from your whole labour invoice before expenses, so many CIS workers overpay. You claim it back through Self Assessment — an accountant can do this for you.
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The same day rate, three ways of working

Self-employed (CIS)

£0 a year
£0 a month · £0 per working day
You keep £0 of every £100 invoiced.
After expenses, income tax and Class 4 NI.

Employed (PAYE)

£0 a year
£0 a month · £0 per working day
You keep £0 of every £100 earned.
After income tax and employee NI. No expenses.

Limited company

£0 a year
£0 a month · £0 per working day
You keep £0 of every £100 invoiced.
£12,570 salary plus dividends, after corporation tax. Assumes no CIS deduction.
Which way of working you are allowed to use depends on how you really work, not on which one pays most. If you are unsure, use HMRC’s employment status check before you decide.
How we calculate this (tax year 2026/27, checked October 2026)

Common questions

How does CIS tax work?

Your contractor deducts 20% (if you are registered), 30% (if you are not) or nothing (with gross payment status) from your labour invoice and pays it to HMRC on your behalf. It counts as an advance payment towards your income tax and National Insurance — it is not an extra tax.

Why might I get a refund?

The deduction is taken from your whole labour payment before your business expenses are taken into account. If your real tax and National Insurance bill is lower than what was deducted, HMRC refunds the difference when you file your Self Assessment return.

Is it better to be self-employed or on PAYE?

The comparison above shows the money side only. Your employment status depends on how you actually work — who controls the work, whether you can send a substitute, who supplies the equipment — not on which label you pick.

How accurate is this?

It is an estimate using the 2026/27 rates for England, Wales and Northern Ireland. It leaves out student loans, pension contributions, other income, Scottish rates, VAT and payments on account. For your own figures, ask an accountant or check with HMRC.

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