Compare a contract rate with a salary
Compare gross annual contract value with salary and user-entered employee benefits in GBP.
day rate x billable days compared with salary + entered benefits
When to use this calculator
Use this calculator when comparing a UK contract opportunity with permanent employment or testing whether a proposed day rate compensates for unpaid leave and lost benefits.
How to interpret the result
A positive contract premium shows the gross difference using your assumptions. It does not automatically mean contracting is the better choice because stability, administration and personal preferences also matter.
Example: gross value is only the first comparison
A £500 day rate across 210 billable days gives £105,000 in gross contract value. Compare that with salary plus benefits, then separately assess taxes, risk and unpaid time.
Limitations
The tool does not calculate tax, National Insurance, pension treatment, IR35 status, company costs or the probability of gaps between contracts.
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Frequently asked
Are my numbers saved?
No. Calculations run locally in your browser. Numblyra does not intentionally store the values you enter in calculator fields.
Is this financial, tax or employment advice?
No. Results are planning estimates. Verify taxes, employment rules, market rates and business decisions with qualified local professionals.