• NET PAY
  • TAX LOAD
  • PENSION
  • HUMAN

How to compare PAYE and Limited Company costs with your AI

Connect this MCP to your AI client once. After that, you just provide your income details and let your agent handle the math.

Ask AI about this page

Short answer

How do I compare PAYE and Limited Company pay?

Your AI uses current UK tax and National Insurance data to run a side-by-side comparison of both structures. You'll get a clear breakdown of your net take-home pay and pension impact.

The financial outcomes

What you get from the comparison

The AI processes your specific numbers to deliver these four results.

NET PAY

Take-home pay comparison

The AI calculates exactly how much cash you keep after all taxes and National Insurance are deducted.

TAX LOAD

Tax burden analysis

You see the total tax paid under both employment and limited company models.

PENSION

Retirement savings impact

The agent factors in pension contributions to show how each structure affects your long-term wealth.

HUMAN

Personal decision

The AI provides the math, but you decide which structure fits your specific lifestyle and risk needs.

The workflow

What your AI does when the data arrives.

The AI handles the complex tax calculations so you don't have to check manual tables.

  1. Data ingestion

    Your AI takes your target salary or daily rate and prepares the comparison variables.

    calculate_uk_comparison

  2. Tax modeling

    The agent applies current UK tax bands and National Insurance rules to both scenarios.

    calculate_uk_comparison

  3. Pension adjustment

    It calculates how different pension contribution levels change your final take-home amount.

    calculate_uk_comparison

  4. Final comparison

    The AI generates a side-by-side summary of the net differences between the two paths.

    calculate_uk_comparison

Try it

Copy these to start.

Paste these directly into your chat to run a comparison.

Starting points

Swap the numbers in these prompts for your own expected salary or daily rate.

Contractor vs Employee Calc Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_8applF1SQu6ROxXTZ1rS9ypS3Vpm52Uxme3FkZ6y/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — Contractor vs Employee Calc capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "contractor-vs-employee-cost-calculator-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_8applF1SQu6ROxXTZ1rS9ypS3Vpm52Uxme3FkZ6y/mcp"
    }
  }
}
Copy into chat04

  • Compare a £60,000 PAYE salary against a £60,000 Limited Company contract.

  • Calculate the take-home pay difference if I move from PAYE to a Limited Company at £85,000 per year.

  • Show me the net income for a £550 daily rate contractor versus a £70,000 PAYE employee.

  • How does my take-home pay change if I increase my pension contribution by 5% in both scenarios?

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect Contractor vs Employee Cost Calculator once, then ask.

Connect the MCP to your AI client in one click. Your credentials stay encrypted, and you can start asking questions immediately.

Connect Contractor vs Employee Cost Calculator to your AI

FAQ

How this task behaves

  • 01

    Does the AI account for IR35?

    No. The tool calculates the mathematical difference between the two structures based on the data you provide.

  • 02

    Can the AI file my taxes?

    No. This tool is for financial comparison only. You must handle all tax filings through official channels.

  • 03

    What tax data does it use?

    It uses current UK National Insurance rates and income tax bands.

  • 04

    Can I use this with Cursor or VS Code?

    Yes, any MCP-compatible client will work once you connect the MCP.

  • 05

    Will the AI change my actual tax settings?

    No. The AI only performs calculations; it has no access to your actual tax accounts or government records.

  • More questions about Contractor vs Employee Cost Calculator? The Connector page answers them. See everything the Contractor vs Employee Cost Calculator Connector can do

Connect Contractor vs Employee Calc to Claude, Cursor, ChatGPT & more