Absolutely agree. If you’re willing to maximise your pension savings, inside IR35 work with a higher day rate is usually more lucrative overall, even though yo

Absolutely agree. If you’re willing to maximise your pension savings, inside IR35 work with a higher day rate is usually more lucrative overall, even though you have to pay tax the normal way (gasp!). Also, being on PAYE through an umbrella is less admin, no worries about HMRC, and lower overheads compared to Ltd - no accountants, business bank account, xero/sage (if you’re a DIYer), insurances, etc.