Know your IR35 risk before you sign.
Upload your contract and answer 12 quick questions about how you'll actually work. You get a clause-by-clause risk report that shows what points inside or outside IR35, where the paperwork contradicts reality, and the wording to ask your agency for.
- Reads the whole contract
- 8 IR35 factors · updated for 2026/27
- Suggested clause wording
- Contract deleted after analysis
How it works
- 01
Upload your contract
The PDF or Word file you've been sent — including scanned copies. Add your SDS or the upstream terms too if you have them.
- 02
Answer 12 questions
How you'll really work day to day. HMRC and the tribunals look at reality, not just the paperwork.
- 03
Pay £9 securely
Card, Apple Pay or Google Pay via Stripe. A receipt for your limited company is emailed to you.
- 04
Get your report
Usually ready in 1–3 minutes, on screen and as a PDF, with a link emailed to you for 30 days.
What you get
More than a yes or no. A risk breakdown you can act on.
- Every IR35 factor, with clause referencesSubstitution, control, mutuality of obligation, financial risk, part and parcel, equipment, being in business on your own account, and termination terms.
- Contract vs. realityWe flag where the clauses say one thing and your working practices say another — the gap HMRC looks for first.
- Suggested wording to negotiateBalanced replacement clauses you can send to your agency, with a plain-English reason for each.
- Who decides, and what to do about an SDSTailored to whether your client is small, medium/large or public sector — including how to challenge a Status Determination Statement.
- Downloadable PDFShare it with your accountant or keep it on file as evidence you took reasonable care.
How it compares
The fast first check — before you pay for more.
| IR35 Checker | HMRC CEST tool | Specialist contract review | |
|---|---|---|---|
| Price | £9 | Free | Typically £49–£125+ |
| Reads your actual contract | Yes — every clause | No — questions only | Yes |
| Working practices | Yes — compared with the contract | Yes | Often an extra service |
| Suggested replacement wording | Yes | No | Usually |
| Turnaround | Usually 1–3 minutes | Minutes | Typically 1–5 working days |
| Human expert opinion | No — AI-assisted | No | Yes |
Specialist pricing based on published UK prices for IR35 contract reviews in 2026. If you are facing an HMRC enquiry or a high-value engagement, use a specialist as well.
New for 2026/27
More clients are now “small” — so IR35 may be your call again.
For the 2026/27 tax year, the small company thresholds are £15m turnover and £7.5m balance sheet — up from £10.2m and £5.1m (50 employees is unchanged). If your client now meets two of the three, your own limited company is responsible for deciding your status — not the client.
Pricing
£9
per report · no subscription · usually expensable through your Ltd
- Whole contract read — PDF, scanned PDF or Word
- Optional SDS or upstream terms reviewed too
- All 8 IR35 factors with clause references
- Contract vs. working reality comparison
- Red flags, positives and suggested wording
- On-screen report, PDF download and email link
If we can't produce your report, you get a full refund.
Questions
Does this tell me if I'm inside or outside IR35?
No tool can decide your status — only HMRC or a tribunal can. Your report gives a risk score from 1 to 10, explains which factors point which way and why, and tells you what to change. That is the information you need to negotiate, check a Status Determination Statement or decide whether to pay for a specialist review.
Who decides my IR35 status?
It depends on the client. If the end client is a small private-sector company, your own limited company decides. If it is medium or large, or in the public sector, the client decides and must give you a Status Determination Statement (SDS) with its reasons. From the 2026/27 tax year a company is small if it meets two of: turnover up to £15m, balance sheet up to £7.5m, 50 or fewer employees.
What happens to my contract?
Your contract is sent securely to our AI provider to produce the report and is deleted from our systems as soon as the report is ready. The report itself is kept for 30 days so you can come back to it, then deleted. We never use your contract for marketing or to train AI models. Full details are in our privacy notice.
How is this different from HMRC's CEST tool?
CEST asks questions but never reads your contract. IR35 Checker reads the actual clauses, compares them with how you work in practice, flags contradictions and suggests replacement wording. Many contractors use both.
Is a £9 AI report as good as a specialist review?
It is not a substitute for a specialist when the stakes are high or you are under HMRC enquiry. It is a fast, low-cost first check: it shows you which clauses matter, so a specialist review (if you need one) is quicker and you go into negotiations prepared.
Can I expense it through my limited company?
Usually, yes — a contract review for your business is normally an allowable business expense. You receive a Stripe receipt by email. Check with your accountant if you're unsure.
What if something goes wrong?
If we can't produce your report, we'll refund you in full. Just reply to your receipt email or contact us with your report reference.
IR35 guides