Built for UK contractors.
Day rate, IR35, umbrella or limited company, and how long your contract has left to run. HealthScore scores all of it and tells you what to fix first.
Free for life. No bank connection needed to start.
A contractor's snapshot
- Day rate
- £500
- Last reviewed
- 14 months ago
- IR35
- Assessed, evidence filed
- Contract runway
- 3 months left
+6Biggest lift: review your rate before your next renewal
Example profile
What tends to catch contractors out
-
The market moves while you are on contract
Your rate was set by a job advert, often months before you started. By the time your contract is extended, the going rate for your role may have moved, and nobody tells you.
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IR35 is a judgement, and evidence is what holds it up
Status depends on how you actually work, not only on what the contract says. Notes, emails and examples are far easier to gather as you go than after a challenge.
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The best route changes with your rate
Umbrella, limited company and sole trader can leave you with very different take-home from the same invoice. The right answer shifts as your rate and IR35 position change.
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Gaps arrive faster than you expect
A short contract runway and an out-of-date CV make the next role harder to land. You notice when it is already a problem.
What HealthScore does about it
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Rate against the market
See your day rate next to market data for your role, sector and region, plus a negotiation tool for the renewal conversation.
How the score works -
An IR35 read with the evidence kept
Answer questions about control, substitution and working practices, and keep your notes with the assessment.
About the IR35 checker -
Take-home across three routes
Compare umbrella, limited company and sole trader at your rate, using current UK tax rates.
Umbrella vs limited company -
Runway and CV, so the next role is ready
Track months of work secured and keep your CV current, so a gap never arrives as a surprise.
One rate, three routes, a different year.
A contractor on £500 a day keeps a very different amount depending on how they are paid. Switch between rates and IR35 status to see the gap.
- Umbrella company 59.8% kept£65,758 a year £5,480 a month
- Limited company 62.8% kept£69,082 a year £5,757 a month
- Sole trader 66.5% kept£73,111 a year £6,093 a month
Example for 2026/27, 5 days a week for 44 weeks, England, Wales and Northern Ireland. Limited company outside IR35 assumes a £12,570 salary, the rest paid as dividends and £1,800 of running costs. Umbrella assumes a £25 weekly margin. An estimate, not advice.
Run your own numbers in the appGuides to read next
- IR35 explained: inside or outside for UK contractors What IR35 is, who decides your status, what inside and outside mean for your pay, and why evidence of how you actually work matters. 6 minute read
- Umbrella or limited company in 2026/27? How take-home compares between an umbrella company and a limited company at three day rates, inside and outside IR35, using 2026/27 UK rates. 6 minute read
- Umbrella company rules changed in April 2026: what to check From 6 April 2026 HMRC can recover an umbrella's unpaid PAYE from agencies and some end clients. What changed and what contractors should check. 4 minute read
- How to review your day rate, and when Your day rate is often set by a job advert months before you start. A practical way to check it against the market and raise it at renewal. 5 minute read
Questions, answered.
Is HealthScore for contractors on an umbrella company or a limited company?
Both. It also covers sole traders. The app compares take-home across all three routes so you can see what each one costs you at your rate.
Does it tell me whether I am inside or outside IR35?
It gives you a structured read on your working practices and flags where your contract and day-to-day work do not match. It is not a legal determination. Your status is decided by the end client or your agency, or by your own company for small clients.
How does it know what the market pays for my role?
The app compares your day rate with market data for your role, sector and region, and shows where top-quartile contractors sit.
What is contract runway?
The number of months of paid work you have secured. It is one of the eight checks, because a short runway is the quickest way for income to stall.
Your score is waiting.
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