IR35 Checker — Analyse Your Contract

Upload your contract PDF and answer the questions below about how you'll actually work. Both parts matter — HMRC looks at working reality, not just what's written on the page.

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Reality check — 10 questions

Answer based on how you'll actually work, not what the contract says.

01 —Right of Substitution: If you couldn't work, could you send a qualified substitute in your place?

Yes — contract allows it and the client would genuinely accept someone else Contract allows it but in practice the client expects me personally No — contract requires me personally and I couldn't send a substitute Unclear — contract doesn't address this

02 —Has the right of substitution ever been tested or used in practice?

Yes — a substitute has actually been used No — never tested but I believe the client would accept one No — never tested and I doubt the client would accept one Not applicable — this is a new engagement

03 —Control: Who decides how you carry out the work day-to-day?

I decide how the work is done — given an outcome, not told how to achieve it A mix — some direction from the client but I have significant autonomy Mostly the client — they direct my methods, priorities and daily tasks

04 —Equipment: Will you use your own tools and equipment to do the work?

Yes — I use my own laptop, software, and tools Mostly mine but the client provides some things (e.g. access, specific systems) No — the client provides my laptop and equipment

05 —Multiple clients: Do you work for other clients at the same time?

Yes — I work for multiple clients simultaneously Not currently but I have done before and the contract doesn't prevent it No — this would be my only client and the contract requires exclusivity No — only client but no exclusivity clause in the contract

06 —Termination: Can the client end the contract at very short notice without financial penalty?

No — reasonable notice period with penalties for early termination There is a notice period (1–3 weeks) but no significant penalty Yes — client can terminate with very little notice and no penalty

07 —Integration: Will you be embedded in the client's organisation (team meetings, org chart, Slack/Teams, manager)?

No — I work independently and am clearly an external contractor Somewhat — I'll attend some meetings but am clearly a contractor Yes — fully embedded with manager, internal comms, and team events

08 —Financial risk: Do you bear genuine financial risk? (e.g. fixed-price deliverables, correcting errors at your own cost, professional indemnity insurance)

Yes — fixed-price work or I'm liable for errors at my own cost Some risk — I have PI insurance but am paid a day/hourly rate No — paid a day/hourly rate with no risk for errors or overruns

09 —Autonomy: Do you control your own working hours and location?

Yes — I set my own hours and choose where I work Mostly — some core hours or on-site days required but generally flexible No — expected to work set hours at the client's site

10 —Mutuality of Obligation: Does the contract guarantee work, or must you accept all work offered?

No — client not obliged to offer work and I'm not obliged to accept it Client provides a minimum volume and I'm expected to be available Yes — contract guarantees work and I must accept all work offered

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This tool provides AI-powered risk analysis for informational purposes only. It does not constitute legal or tax advice. Always consult a qualified IR35 specialist or accountant before accepting an engagement.

Analyse your contract.

Reality check — 10 questions