How much do I take home on a CIS day rate?

How much do I take home on a CIS day rate? At the 20% CIS rate, you are paid 80% of your day rate: £150 a day becomes £120. In our 2026-27 examples, the 20% is more than the year's tax and National Insurance, so some comes back after you file. At the 20% rate, £120 a day is paid to you and £30 goes to HMRC as an advance payment towards your tax. Over a 5-day week that is £600 paid to you and £150 deducted. No. GOV.UK calls CIS deductions advance payments. Your real bill is Income Tax and National Insurance on your profit after costs and your personal allowance, worked out on your tax return after the year ends. The 20% is taken from all your pay, but tax and National Insurance are charged only on profit after costs and the £12,570 personal allowance in 2026-27. If the deductions are more than your bill, HMRC repays the difference. Read the full answer, with every source, at rightotax.co.uk.