/ 01
Inside or outside IR35?
Clause-by-clause scoring with the case-law references named.
/ Snap suite · Freelance · Contractor · IR35 · Free
FreelanceSnap, Inside / outside IR35 + take-home clarity.
FreelanceSnap is the free UK decision-support app for freelance professionals and contractors. Get an honest IR35 status indication, model true take-home across PAYE / umbrella / Ltd, and surface the contract clauses that flip inside-to-outside (or trigger HMRC enquiry), before you sign.
FREE
IR35 + take-home calculator
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Built by ATTOH Digital · UK SME-focused
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Built by ATTOH Digital · UK SME-focused
/ Free tool · Contractor take-home + reserve
What is your real take-home on that day rate?
Enter your day rate and days. FreelanceSnap estimates your tax, take-home and the amount to set aside, on a self-employed basis. Instant, in your browser, on 2025/26 rates.
Local estimate
Estimate for a self-employed / sole-trader contractor on 2025/26 rates (Income Tax + Class 4 NI, personal allowance taper above £100k). If you work inside IR35 or through a limited company the position differs. This is indicative, not an IR35 status determination or tax advice.
Estimated annual take-home
£0
Gross fees£0
Taxable profit£0
Income Tax£0
Class 4 NI£0
Total to HMRC£0
Set aside per month£0
Effective tax rate0%
/ What this app answers
Three questions, one app.
Every Snap is scoped to one operator decision. FreelanceSnap answers three sub-questions that, together, give you the call you needed to make on freelance · contractor · ir35 this week.
/ 02
What do I actually take home?
PAYE vs umbrella vs Ltd, side-by-side, on your real day rate.
/ 03
Where are the contract red flags?
Substitution rights, MOO, control, financial risk, the 9 clauses HMRC enquiry tribunals turn on.
/ Who this is for
Built for the operators who actually have to decide.
Freelance contractors in tech, finance, creative and engineering working through Ltd, umbrella, PAYE or hybrid, who carry the IR35 status and tax risk personally.
/ How it works · 4 steps
From question to answer in under 10 minutes.
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01
Paste in the contract
Or fill the 12 key questions if you have not got it yet.
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02
FreelanceSnap runs IR35
Substitution, MOO, control, financial risk, integration, scored against tribunal patterns.
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03
Get the verdict + take-home model
Inside/outside indication, contract red flags, take-home across all engagement modes.
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04
Sign or push back
Pre-drafted clauses to negotiate, or a clear walk-away signal.
/ How it compares
Where FreeAgent is the books, FreelanceSnap is the IR35 call first.
FreeAgent is a paid accounting platform (free if you bank with NatWest or Mettle) you set up and run. FreelanceSnap is the IR35, take-home and reserve read before that.
FreeAgent
- A full accounting subscription to set up
- IR35 lives inside its paid payroll module
- Built to keep books, not to triage the risk
FreelanceSnap
- Free, no login, no account
- Built on UK IR35, take-home and tax-reserve rules
- Routes you to a human for the real review
Get an indicative IR35 lean, take-home and reserve free, before you open a paid accounting platform. Indicative only, not a status determination.
/ FAQ · before you ask
What people ask before they use FreelanceSnap.
01 Is the IR35 result legally binding? +
No, only HMRC's own CEST tool plus a tribunal makes a binding determination. FreelanceSnap mirrors the case-law tests so you walk into the conversation informed.
02 Does it work for off-payroll-in-the-public-sector rules? +
Yes, public-sector IR35 (where the engager carries the determination) is handled in its own track.
03 Will the take-home model match my accountant's number? +
Within ~1-2% for most cases. Edge cases (pensions, salary sacrifice, dividends, R&D) are flagged so your accountant can refine.
04 Is it suitable for sole traders as well as Ltd contractors? +
Yes, sole-trader mode is included, with the trade-off vs incorporating made explicit.
Ready to ship your own Snap?
FreelanceSnap is one of 22 free Snap apps. If your sector is not on the list, we will build one, scoped, shipped, supervised, in 4 to 8 weeks. Same engineering core, same source-freshness CI, your decision priced against the outcome it produces.