Subcontractor vs Employee Calculator
Should you hire a subcontractor or an employee? Compare total costs including wages, tax, NI, pension, holidays, and admin overhead. Make the right hiring decision for your UK trade business.
Work Details
£
Cost Comparison
Subcontractor Cost
£48000
No tax/NI, no holidays, no admin
Employee Cost
£53621
Salary: £40800
Employer NI: £4375
Pension: £1224
Holiday pay: £5222
Admin: £2000
❌ Subcontractor is Cheaper
£5621 (10.5%)
Compare Team Costs with a Clear Framework
Use this calculator to compare employees vs subcontractors, then combine the numbers with your pipeline and margin targets so you're choosing the right mix for your business.
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