Guides for the money side of contracting.
Plain-English explanations of the things that quietly decide how much you keep. Written for UK contractors, freelancers and professionals.
- Going freelance: the money checklist A practical UK checklist for the first months of freelancing or contracting: registration, tax, records, insurance, invoicing and cash buffer.
- How much tax should a contractor or freelancer set aside? A practical way to ring-fence tax from every payment, with 2026/27 rates, key payment dates and what changes by umbrella, limited company or sole trader.
- 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.
- 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.
- Late payment: how to claim interest and compensation UK law lets businesses claim statutory interest and a fixed fee on late invoices. How it works, how to calculate it and how to ask for it.
- 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.
- 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.
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