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A.X.E.L
Free Tool · 2025/26

CIS Tax Calculator

Enter your gross payment and instantly see your net take-home after CIS deductions. Works for 20% standard, 30% unverified, and 0% gross status rates.

How CIS Tax Deductions Work

If you work as a subcontractor in the UK construction industry, your contractor is required by HMRC to deduct tax from your payments before you receive them. This is the Construction Industry Scheme (CIS), and it affects hundreds of thousands of tradesmen across the country.

The standard deduction rate is 20% for registered subcontractors. If you haven't registered with HMRC, your contractor must deduct 30%. Subcontractors with an excellent compliance history can apply for gross payment status, which means no deductions are taken at source — but you're still responsible for paying your tax through Self Assessment.

CIS deductions are not an additional tax — they're advance payments towards your annual tax bill. When you file your Self Assessment return, these deductions are offset against what you owe. Many subcontractors actually overpay through CIS and are entitled to a refund. That's why it's important to keep accurate records of all your CIS payment and deduction statements.

This calculator helps you instantly see your take-home pay after CIS deductions, plus an annual projection so you can plan ahead. It's updated for the 2025/26 tax year and runs entirely in your browser — we don't store any of your data.

Frequently Asked Questions

CIS is a HMRC scheme where contractors deduct tax at source from payments to subcontractors in the construction industry. The deducted amount counts towards the subcontractor's tax and National Insurance bill. It applies to construction work including building, repairs, decorating, and demolition.
If you're registered with HMRC for CIS, you'll have 20% deducted. If you're not registered, the rate is 30%. Some subcontractors with a strong compliance record can apply for gross payment status (0%), meaning no deductions are made at source.
You can register for CIS online through your HMRC Government Gateway account, by phone on 0300 200 3210, or by completing form CIS301. Registration is free and reduces your deduction rate from 30% to 20%.
Yes. CIS deductions are advance payments towards your tax bill. When you file your Self Assessment tax return, the CIS deductions are offset against your income tax and National Insurance. If you've overpaid, you can claim a refund from HMRC.
No. CIS deductions only apply to the labour element of a payment. If your invoice clearly separates materials from labour, the contractor should only deduct CIS from the labour portion. Always itemise materials on your invoices.
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Managing your taxes shouldn't be this hard.

Try A.X.E.L — built for tradesmen. Track CIS deductions, manage expenses, and file returns from one place.

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