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IR35

What is IR35 and who does it affect?

We can help you navigate the IR35 maze with our range of articles, an IR35 calculator tool to help you see if you’re at risk, detailed IR35 reviews from an expert accountant, and a jargon-free guide that explains IR35. Our payroll and accountancy solutions can help contractors whether their assignments are inside or outside of IR35.

Crunch offers the UK’s first and only end to end solution for IR35. Call us now on 0333 311 0800 or book a callback with the button below to find out more.

Check the IR35 status of a contract assignment

If you’re a contractor working through a Personal Service Company, the off-payroll working rules (known as ‘IR35’) could have a big impact on how you get paid and how much tax and National Insurance you have to pay. Each assignment you work on needs to be assessed to see whether it’s inside or outside IR35, our free IR35 tool for contractors, below, can help you make or check an assessment. Recruiters, whether in-house or at an agency, also need to be aware of the changes the government introduced for the private sector in April 2021.

Whether you’re a contractor, a recruiter placing contractors on assignments, or an employer looking to assess the IR35 status of your contractor assignments, we’ve got a tool that can help you.

Free contractor IR35 calculator tool

  • Free online tool for contractors

  • Quickly and easily see your IR35 status and risk

  • Purchase a report with detailed conclusions and recommendations for a fixed fee

  • Option to purchase an in-depth contract review to establish your employment status

Try our free IR35 calculator for contractors

IR35 Navigator tool for recruitment agencies

  • Quickly and easily see the IR35 status for your contractor assignments

  • Subscription service for multiple assignment reviews

  • Assessments, downloadable reports and recommendations for each assignment

  • Try for free (seven-day trial)

Try our free IR35 calculator for recruiters

IR35 Navigator tool for employers

  • Quickly and easily see the IR35 status for your contractor assignments

  • Subscription service for multiple assignment reviews - Try for free (seven-day trial)

  • Assessments, downloadable reports and recommendations for each assignment

  • Status Determination Statement service

Try our free IR35 calculator for employers

IR35 expertise for recruitment agencies or employers

If you’re a recruiter, an agency, or an employer with multiple contracts and assignments that you’d like to assess for their employment status, Crunch can help. Our IR35 Navigator tool lets you quickly generate online IR35 status assessments for all your assignments, as well as calculating your financial risk. It also offers recommendations on mitigating action you could take to ensure the employment status of your contractor assignments are correct. Our free guide for recruiters focuses on the changes implemented by the government in April 2021.

Get our free IR35 guide for recruiters

Prove your IR35 status with an expert review

If you want the ultimate peace of mind about your IR35 status, you can get an IR35 Accountant Contract Review by one of our expert accountants. As well as a detailed report based on your answers to our online questionnaire, we’ll go through your contract and look at your actual working practices to assess whether the assignment is ‘inside’ or ‘outside’ IR35. We also offer an express service if you need an answer in the shortest possible time.

Online Assessment

See if you’re at risk with an online IR35 status assessment.

£0.00

Totally free
Get started

Online Report

Fully understand your IR35 status with a detailed online report & recommendations.

£49.50

+VAT
Get IR35 help now

Accountant Review

Our accountants will review your contract to make sure your IR35 status is correct.

£139.50

+VAT
Get IR35 help now

Express Review

Need an answer quick? Get an express review of your contract by our accountants.

£239.50

+VAT
Get IR35 help now

We can help you whatever your IR35 status

Our “What is IR35?” hub is the place to head for all things IR35 - we have a video and articles explaining everything you need to know about IR35. We also have an IR35 service for those looking for our expert guidance.

We’ve also produced a jargon-free IR35 guide that gives you more information on IR35 and what to look out for.

If you want total peace of mind, we can perform an IR35 contract review for you - contact your client managers for more information or speak to one of our advisors if you’re not a Crunch client.

Get our free IR35 guide for recruiters

Limited Company Premium

From £109.50

+VAT per month

Great for your peace of mind and perfect if you’re worried about IR35. Switch between services depending on the IR35 status of your assignment. We’ll take care of HMRC and Companies House, with easy-to-use software and expert advice.

  • IR35 support, adivce and solutions

  • IR35 employment tax accounting

  • Self Assessment included (up to two directors)

  • Umbrella payroll included: easily switch between limited company and umbrella working

Get started

Umbrella Payroll

From £25.00

Per week

We’ll ensure you’re paid promptly for your work with all the tax and admin taken care of, leaving you to do what you do best. You’ll get expert help and support whenever you need it.

  • Dedicated payroll support

  • Comprehensive insurance cover

  • Real Time Information filing with HMRC

  • Weekly or monthly payroll

Get started

Insurance for limited companies

From £109.50

+VAT per month

Our insurance partner Kingsbridge specialise in Small Business Insurance which helps protect you, your business, and your clients should the unexpected happen. Kingsbridge can cover you for employers’ liability, public liability, professional indemnity, and more.

  • Legal expenses cover

  • Covers costs associated with IR35 investigation

  • 24-hour legal advice helpline

Get started

All of these services are available separately, or in a comprehensive, single package for a fixed price. You may need to purchase additional services depending on your individual circumstances. Our specialist advisors will guide you, to ensure your service is as flexible as you need.

Understanding your IR35 status can be confusing - let us help.

Frequently asked questions

Can I use Crunch software on my tablet or mobile phone?

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You can use our accounting software on a range of tablets, including iPad and Android devices. We also offer iPhone and Android apps to help you record expenses on the move and track your business mileage.

Can Crunch help with VAT registration?

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Yes! If your business exceeds the VAT threshold, you are legally required to register for VAT. In some cases it can be beneficial to register for VAT before your turnover reaches the threshold.

We can advise you as to when you should register and will handle the registration on your behalf for no extra charge.

What is a registered office?

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As your registered office, Crunch will deal with your Companies House and HMRC post on your behalf. Once they arrive at our offices, the letters will be scanned, securely stored in your account and shredded. If action is required from you, your client manager will notify you and explain the situation.

Anything that isn't from Companies House or HMRC will be returned to sender.

What is an authorised agent?

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As authorised agents, we act on your behalf, dealing with HMRC and Companies House for your company.

What are my responsibilities?

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In order for us to generate your VAT returns, Corporation Tax and year end documents, you need to keep your Crunch records updated. We recommend that you reconcile your bank account on Crunch once a month. You can verify your entries using our bank reconciliation system before every tax filing.

Depending on your company activity, updating your Crunch account can take as little as a few minutes per week.

Can I sign up online?

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You can register your interest online, but our advisors will need to contact you to start the process and perform the necessary security checks, which can't be done online. Once you've spoken with an advisor, you'll be introduced to your client managers who will be on hand to answer any questions.

Does Crunch have a minimum term or contract?

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We have either monthly subscriptions with a rolling 30-day contract, or annual subscriptions with a 12-month contract. If you have paid up to the end of a certain financial period, we will still complete and file any HMRC or Companies House submissions for that period, even if the deadline occurs after you leave Crunch.

I hate bookkeeping! Is Crunch's software difficult to use?

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We pride ourselves on the ease of use of our software, which makes your bookkeeping quick and efficient. If you ever need help, your client managers will be more than happy to assist.

We also have a wealth of templates and business guides available, which will help you with everything from invoicing, to chasing funds to finding out about expenses.

What level of accounting expertise does Crunch have?

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As with all accountancy firms, the experience and qualifications of our accountants vary. Our accounting staff range from chartered certified accountants all the way through to apprentices. Our accountants undertake a programme of ongoing training so they are up-to-date with any accounting and tax legislation changes.

Our accountants have a range of qualifications from the Association of Accounting Technicians (AAT) to the Association of Chartered Certified Accountants (ACCA). We're also an ACCA Accredited Employer.

How much advice is included in my monthly fee?

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You get unlimited advice from your client managers and our accountants at any time during office hours, over both email and phone. You don't need to book an appointment or find time in your busy day to visit us, we're available as and when you need. Our office hours are Monday to Friday, 9am to 5.30pm.

How quickly can I be up and running?

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To activate your Crunch account you need an active limited company, a business bank account, and your historical accounting data from your previous accountant, if applicable.

If you have these, your account can be set up in a few minutes. If not, we'll help you get set up. Your client managers can form your limited company, send you information on opening a business bank account, and assist you with transferring your accounting data over from your old accountant.

What kind of support will I get with my accounting?

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You will have unlimited support from both your dedicated client managers and from our team of expert chartered certified accountants.

We'll let you know of key dates in the financial year, helping you avoid fines and stay on the right side of HMRC and Companies House.

You also have unlimited access to advice relating to your business from our team of expert chartered certified accountants, who can help you with everything from specific accounting or tax queries to business expenses.

How easy is it to switch to Crunch?

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Switching to Crunch from another accountant is quick and simple. If you've just completed a previous financial period, it may be as simple as inputting your opening balances, which can be done in seconds.

Your dedicated client manager will help you with the switching process, including contacting your previous accountant and arranging for the transfer of records, and notifying HMRC and Companies House of the change.

A setup fee may apply depending on the time of year you switch. Please contact us for individual details.

Do I need business insurance?

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Having adequate insurance in place helps protect you and your business, as well as your clients and the general public. Your clients may also demand you have business insurance.

What is public liability insurance?

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Public liability insurance protects your business against a claim from the public for financial loss, accident, or injury.

What is employers' liability insurance?

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Employers' liability insurance provides a financial award to a member of your staff who is injured or has property damaged whilst in your employ during working hours.

What is professional indemnity insurance?

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Professional indemnity insurance offers protection for your business against a customer suing you for a financial loss that they believe you caused through negligent advice and services.