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IR35 Assessment Tool
Free AI-powered IR35 status assessment for UK contractors. Answer 10 questions about substitution, control, mutuality of obligation, financial risk, and other key factors. Get a risk score, outside/inside verdict, per-factor analysis, and contract improvement suggestions. Powered by Gemini AI. Indicative only.
Answer all 10 questions about your contract arrangement:
Can you send a substitute to do the work without the client's approval?
Does the client control HOW you work (e.g. methods, processes, tools you must use)?
Does the client control WHEN and WHERE you must work (e.g. fixed hours, fixed location)?
Is the client obliged to offer you work, and are you obliged to accept it?
Does the client provide your main working equipment (e.g. laptop, tools)?
Do you bear financial risk? (e.g. you fix mistakes at your own cost, or could lose money on the contract)
Are you treated the same as employees? (e.g. on org charts, in staff directories, attending internal-only meetings)
Are you prevented from working for other clients during this contract?
Is your contract defined by a specific deliverable or project (rather than an ongoing role)?
Is the contract explicitly for YOUR personal service (i.e. you by name, no substitution permitted)?
0 of 10 questions answered
Answer all 10 questions to continue.
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Frequently Asked Questions
What is IR35?
IR35 (also called the off-payroll working rules) is UK tax legislation designed to prevent contractors from avoiding income tax and National Insurance by operating through a limited company when they are effectively employees. If you are "inside IR35", you must pay PAYE tax on that income.
What factors determine IR35 status?
The main factors are: right of substitution (can you send someone else?), control (does the client control how you work?), mutuality of obligation (must the client offer work and you accept?), financial risk, personal service, and whether you are "part and parcel" of the organisation.
Is this tool a substitute for HMRC CEST?
No. This tool provides an AI-powered indicative assessment to help you understand your risk profile. HMRC CEST (Check Employment Status for Tax) is the official tool and HMRC will stand behind its result if you answer accurately. Always use HMRC CEST and seek professional advice for significant contracts.
Who is responsible for determining IR35 status?
Since April 2021, responsibility for IR35 determination shifted to the end client (not the contractor) for medium and large private sector businesses and all public sector engagements. For small private sector clients, the contractor's intermediary company is still responsible.
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