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Contractor vs PAYE estimate: €500/day × 220 days (2026)

Scenario guide comparing a daily-rate contractor structure vs PAYE salary using 2026 rules (estimate).

Example inputs

PAYE salary (baseline)	€80,000
Daily rate	€500
Billable days	220
Monthly expenses	€6,000
Year	2026

Use this as a planning estimate. Your result can differ based on credits, payroll basis, pension setup, and benefits.

Open the contractor vs PAYE tool

Category: Contractor scenarios

People also ask

Do expenses always reduce tax by the same amount?

No. Treatment depends on structure and whether expenses are reimbursed, allowable, and documented. Use this for planning and validate with your advisor or accountant.

What is the main thing to compare?

Compare net disposable income after tax and core costs, then review pension contributions, risk, and stability. The best choice depends on your situation.

Does this include all company and compliance costs?

Not automatically. Enter realistic fees and recurring costs for your structure so the scenario matches your situation.

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