Know where you stand as a UK contractor.
Paylift HealthScore turns your rate, IR35 position, tax and contract runway into one score out of 100, then shows the single fix that lifts it most.
Free for life. No bank connection needed to start.
Move the controls and the score moves with them.
+6 Biggest lift: Line up your next contract before this one ends
Get your real scoreA quick read from four of the eight checks. Your real score uses live market data and your own records in the app.
- Free for lifeNot a trial, not freemium
- Umbrella, limited or sole traderBuilt around how UK contractors are paid
- Web and iPhoneUse it in the browser or from the App Store
- No bank connection to startAdd detail as you go
Eight checks behind one number.
Each check is scored and weighted, then rolled into your score. The app tells you which one to fix first and why.
How the score worksRate vs market
How your day rate compares with others in your role, sector and region.
Rate freshness
How long it is since you last reviewed or renegotiated it.
IR35 clarity
Whether your status is assessed and the evidence is on file.
Contract runway
How many months of paid work you have secured.
CV strength
How well your CV would stand up for the next role.
Business structure
Whether umbrella, limited or sole trader is still right for your income.
Tax readiness
Whether tax is set aside as the money arrives.
Records kept
Whether invoices, expenses and payments are logged.
The money side of contracting, in one app.
Your score, your tax pot, your invoices and the market, in the order you will use them. Click through it.
Hi Sam Senior Developer · Technology
Take home today
£299.90
Net · Umbrella
- Week
- £1,495
- Month
- £5,480
- Tax year
- £65,758
+8 since last check
History
Each point is a score check
- Rate Good
- IR35 Fair
- Contract Poor
- CV Good
Set aside per month
£3,260
£39,118 across 2026/27 · 36% of income · Based on £500/day
- Safe to spend now
- £1,840
- Received so far
- £44,000
- Projected year
- £110,000
You should have ring-fenced
£15,647
Tax and VAT so far
In your pot
£16,247
Ahead by £600
Outstanding
£8,400
- Overdue
- £2,800
- Interest claimable
- £12.62
- Paid this year
- £31,500
- INV-0042 · Northgate Digital£2,80014 days overdue
- INV-0043 · Calder & Finch£3,200Due in 9 days
- INV-0044 · Harbour Systems£2,400Due in 23 days
Take-home pay calculator
Compare your take-home pay under different arrangements
- Daily rate
- £500
- Weekly gross
- £2,500
- Annual gross
- £110,000
Umbrella company
Annual take-home£65,758
Monthly£5,480
Efficiency59.8%
Higher-paying opportunities Updated weekly
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Senior Data Engineer
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£600 to £650 per day
Example listing
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Platform Engineer, SC cleared
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£650 to £700 per day
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Delivery Lead
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£550 per day
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@paylift News
Umbrella company rules changed on 6 April 2026
HMRC can now pursue agencies and some end clients for an umbrella's unpaid PAYE. Here is what to check on your payslip.
Example post
Same day rate. Three routes. Very different take-home.
How you are paid changes what you keep. The app runs your own numbers. This is what the gap looks like at three common rates.
About the take-home calculator- 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 appBuilt around how you actually work.
-
Contractors
Day rate, IR35 and the next renewal, all in view before they become a problem.
- Your rate against the market for your role and region
- An IR35 read with the evidence kept on file
- Take-home across umbrella and limited company
-
Freelancers
Irregular income made predictable, so tax and slow-paying clients stop catching you out.
- A money pot that ring-fences tax from every payment
- Invoices with overdue tracking and interest claimable
- Pay analysis that shows what a project really earns
-
Professionals
Locums, consultants, interims and anyone building independent income alongside a career.
- A negotiation tool before you accept a rate
- A structure check as your income grows
- Contract runway so gaps never surprise you
Overdue invoice? You may be owed interest.
UK law lets a business charge statutory interest and a fixed fee when another business pays late. The app tracks every invoice, shows what is overdue and what you could claim.
How late payment interest worksExample
Invoice£2,800
Days overdue14
Statutory rate (8% plus 3.75% Bank Rate)11.75%
Interest£12.62
Fixed fee for a debt of £1,000 to £9,999.99£70
You could claim£82.62
Interest runs per day until the invoice is paid, so the figure keeps growing.
Banks, insurers and lenders: offer contractors something useful.
Reach UK contractors through clearly labelled offers they choose to look at. Partners never receive a contractor's score or details unless the contractor chooses to get in touch.
- Business banks
- Insurers
- Mortgage lenders and brokers
- Accountants
- Pension and investment providers
- Invoice finance and funding
Questions, answered.
What is Paylift HealthScore?
A free app for UK contractors and freelancers. It gives you one score out of 100 across eight areas of your working life and shows the single fix that would lift it most.
Who is it for?
UK contractors, freelancers and sole traders, including limited company directors, umbrella workers and day-rate contractors in IT, engineering, finance, construction and the trades. Professionals such as locums, consultants and interims use it too.
What does the score measure?
Eight areas: rate against the market, rate freshness, IR35 clarity, contract runway, CV strength, business structure, tax readiness and records kept. Each is scored and weighted, and the app explains every change.
Is it really free?
Yes. HealthScore is free for life. It is not a trial and you do not need a card to start. It is free on the web and the App Store.
Do I need to connect my bank?
No. You can start without a bank connection and add information as you go.
Does it work if I am on an umbrella company?
Yes. It covers umbrella, limited company and sole trader routes, and shows what your take-home looks like under each.
How does Paylift make money?
Paylift may earn a commission when you choose an offer from a partner such as a bank or insurer. Partner offers never change your score.
Is this financial advice?
No. Paylift gives general information and estimates. Check figures with HMRC or a qualified adviser before you rely on them.
Your score is waiting.
Start in under a minute. Free for life, and no bank connection needed to begin.