Hourly and Day Rate Calculator for Contractors
Contractor hourly and day rates
Convert salary, day rate, client charge and margin
Use this to price architecture contract work, sense-check a day rate against a permanent salary and see whether the client charge leaves enough margin after employer on-costs.
Inputs
Client charge is optional. Leave it at 0 to calculate from target margin.
Result
Rates are estimates for planning, not payroll advice.
Basis: 2026/27 employer Class 1 National Insurance at 15% above the secondary threshold, 12.07% holiday pay default, 3% employer pension default, and 2026/27 personal tax bands for the take-home estimate.
