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Contractor Accountants UK

Compare UK contractor accountants from £79/month — IR35 advice, PSC company accounts and dividend planning. Get matched with a specialist firm.

Contractors working through personal service companies (PSCs) face unique tax rules including IR35, dividend planning, and expense claims. A specialist contractor accountant understands inside/outside IR35 determinations, optimal salary-dividend splits, and MTD for Income Tax. Whether you are an IT contractor, consultant, or interim manager, the right accountant protects your take-home pay and keeps HMRC compliant.

Do I need a specialist contractor accountant?

Yes if you operate a personal service company and IR35, salary-dividend mix or expenses actually move your take-home pay. No if you invoice as a simple sole trader — a general small-business package is cheaper. Umbrella-only contractors often need payroll, not a PSC accountant.

Inside IR35 and outside IR35 are different products. A firm that cannot explain who makes the status determination (you, the client, or an agency) is not a specialist. Ask whether IR35 reviews are in the monthly fee or extra.

How much does a contractor accountant cost?

Contractor packages typically run £79–£149 per month on our editorial benchmarks, including annual accounts, corporation tax, payroll and dividend advice. IR35 reviews and specialist planning are often extra. Confirm the current quote — these are not live prices.

Compare against an umbrella illustration on the same day-rate before you assume the limited company wins. Online contractor firms often undercut high-street practices because of overhead, not because they skip the CT600.

Typical cost

£79/mo – £149/mo

Rates checked 17 July 2026 · Benchmarks are editorial estimates — how we calculate them.

4 firms offering contractor

Ratings and rankings are our editorial opinion, based on our publishedmethodology — they are not financial advice and firms cannot pay to change a score.Listings labelled Featured orReferral partner are paid placements; payment affects visibility only, never ratings or match results. We may receive a fee when you request quotes.Fees shown are indicative — always confirm directly with the firm.

Frequently asked questions

How much does a contractor accountant cost?

Contractor accountancy packages typically range from £79–£149 per month, including annual accounts, corporation tax, payroll, and dividend advice. IR35 review and specialist tax planning may cost extra.

Do I need a specialist contractor accountant?

If you operate through a limited company as a contractor, a specialist firm understands IR35, allowable expenses, and optimal salary-dividend splits better than a general small business accountant.

What is IR35 and do I need an accountant for it?

IR35 rules determine whether you are treated as employed or self-employed for tax purposes when working through a limited company. An accountant helps assess status, structure contracts, and ensure compliant tax treatment.

Contractor accountant vs umbrella company — which is cheaper?

A limited company with a contractor accountant often yields higher take-home pay for outside-IR35 contractors. Umbrella companies suit inside-IR35 assignments with simpler admin but higher effective tax rates.

Information only — not tax, accountancy, or financial advice. Rules and thresholds change; confirm current positions with GOV.UK or a qualified accountant. Last updated 17 July 2026.