ContractorsSelf-EmployedTax PlanningIR35Limited Company

AI-Powered Tax Planning for UK Contractors and Self-Employed

I learned an expensive lesson in 2018: being clever isn't the same as being optimized. Same rules as someone else, half the tax. Here's how I went from 32% to 18% effective rate - completely legally.

20 November 2025 • 14 min read

I learned an expensive lesson in 2018: being clever isn't the same as being optimized. That year, I made £89,000 as a contractor. I was proud of myself. I'd incorporated, set up a proper company structure, filed everything correctly. I even had a good accountant. My effective tax rate: 32%. ...

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