Maximise your take-home pay. Stay IR35 compliant.
Focus on your contracts, we’ll handle the numbers.
Specialist support for engineers, DevOps, cybersecurity and tech consultants.
IR35 Guidance & Support
Expenses Reviews & Savings
Limited Company Specialists
Xero Cloud Accounting
Tax Planning for Higher Earners
Fixed Monthly Fees
Running a limited company can be highly tax-efficient — but only when structured correctly. These are the issues we help contractors solve every day.
Unsure whether to operate through a limited company or umbrella company — each has different tax implications.
Blanket assessments, unclear SDS determinations, and the fear of getting caught inside IR35 on your next contract.
Taking the wrong split costs thousands per year. The optimal extraction strategy changes with every Budget.
Hardware, software licences, certifications, home office costs — most contractors leave money on the table.
Flat rate vs standard VAT, quarterly returns, MTD submissions — admin that eats into your contracting time.
No proactive planning means unexpected Corporation Tax or personal tax bills at the worst possible time.
We’ll review your current setup and identify opportunities to improve your take-home pay.
Book Free Review →Most accounting firms treat IT contractors like any other limited company client. They miss IR35 risks, don’t understand blanket assessments, and have never heard of bench-time planning. AccTek is built differently.
A dedicated accountant who understands your work pattern, knows your financial goals and provides advice tailored to your situation — not generic templated returns.
Every new contract reviewed against HMRC’s IR35 indicators. Blanket inside determinations challenged with evidence-based arguments specific to your role and working practices.
We model your salary, dividends, pension timing and expenses to maximise retention — typically 75–80% of gross billings vs 60–65% without planning.
Cash reserves, dividend timing, pension contributions and training investment — we build gap planning into your strategy from day one, not as a reaction when the contract ends.
From £19.99/month. No hidden charges, no hourly billing, no surprise invoices. Your fee is agreed upfront and stays fixed.
Xero integration, live bank feeds, quarterly MTD submissions and a client portal for documents. Email queries answered the same working day.
“AccTek reviewed my contract within a week of signing up, identified IR35 risks I hadn’t considered, and helped me negotiate amendments with my agency. My outside IR35 position is rock solid now.”
Alex — DevOps Contractor, 2 years with AccTek
“My old accountant missed thousands in tech expenses — cloud subscriptions, certification costs, home office setup. AccTek captured everything and my Corporation Tax dropped by over £2,000 in the first year.”
Raj — Data Engineer, 1 year with AccTek
“Between contracts, Godwin helped me time my pension contributions and dividend extractions to save on higher-rate tax. No other accountant has ever proactively planned like that.”
Sam — Cybersecurity Consultant, 1 year with AccTek
Every AccTek package includes a named chartered accountant, IR35 contract reviews, proactive tax planning, Xero setup and same-day email support. Your exact fee depends on your structure and turnover — get a personalised quote in under two minutes.
From first contact to fully managed accounts in under two weeks:
Most IT contractors we work with are switching from another firm. If your current accountant doesn’t review IR35 contracts, doesn’t understand tech expenses, or only contacts you at year-end, you deserve better.
We catch up any outstanding filings from your previous accountant at no extra charge.
Click any section to expand the full guide.
IT and tech contractors face a unique combination of high day rates, IR35 scrutiny from end clients, blanket assessments by agencies, complex expense profiles and gaps between contracts. A general accountant handles the filings — a specialist IT contractor accountant maximises what you keep.
If you are a software developer, data engineer, DevOps specialist, architect, cybersecurity consultant or project manager contracting through a limited company, your tax position is fundamentally different from a permanent employee doing the same work. The right structure, the right expense claims and the right IR35 strategy can mean the difference between retaining 75–80% of your gross billings or losing 35–40% to avoidable tax.
AccTek works specifically with IT and tech contractors. We understand your market, your contracts and the commercial realities of contracting in the UK technology sector.
Since April 2021, medium and large end clients determine your IR35 status via a Status Determination Statement (SDS). For IT contractors, this has created a divided market — some clients assess individually, others issue blanket “inside” determinations to avoid risk.
For the full guide: IR35 Guide for UK Contractors. For inside IR35 options: Inside IR35 — What It Means and What You Can Do.
A properly structured limited company with optimised salary, dividends and pension contributions retains significantly more than an umbrella or inside-IR35 arrangement:
| Line Item | £500/day × 230 days |
|---|---|
| Gross billings | £115,000 |
| Less: business expenses | £5,500 |
| Less: employer pension contribution | £20,000 |
| Less: Corporation Tax (on remaining profit) | £10,200 |
| Less: director salary (NI-efficient threshold) | £12,570 |
| Less: dividend tax | £5,800 |
| Total retained (salary + dividends + pension) | £88,500 (77%) |
Compare this to an umbrella where the same £115,000 yields approximately £72,000–£75,000. The difference is £13,000–£16,000 per year.
Figures are illustrative for 2026/27. Your actual position depends on expenses, pension strategy and personal circumstances.
IT contractors have a distinct expense profile. Beyond the standard contractor expenses, tech professionals can claim:
Most IT contractors we onboard have been missing £2,000–£5,000 in annual deductions — that is £380–£950 of unnecessary Corporation Tax every year.
Gaps between contracts are normal in IT contracting. The question is whether you have planned for them financially:
We build these strategies into your annual plan from day one — not as a reaction when the gap happens.
IR35 contract review • Tax-efficient extraction • Dedicated accountant • Fixed fees
Godwin Pinto ACA is a chartered accountant and founder of AccTek with 20+ years of experience accounting and tax for contractors, startup and SME .
Official guidance
For the latest HMRC and Companies House guidance, see Understanding off-payroll working (IR35). AccTek Ltd is an independent accountancy firm and is not affiliated with HMRC or GOV.UK.
AccTek is a member firm of the Institute of Certified Practising Accountants (ICPA). Our accountants have a wide range of qualifications and accreditations from trusted professional bodies such as the AAT, ICPA, and ACCA.
