Rate vs market
See where your day rate sits against real market data for your role, sector and region — and what the top quartile is charging.
HealthScoreBuilt for UK contractors
Know where you stand. Earn what you’re worth.
Your contractor health score brings your rate, IR35 position, take-home pay and contract readiness together in one clear view.
Free to download. No bank connection required to start.
One score. The full picture.
Contract with more confidence.
IR35 clarity
Assess your working practices and contract structure, catch mismatches between the two, and keep the evidence in one place.
Real take-home
Compare limited company, umbrella and sole trader take-home, and compare umbrella providers before you sign.
Start in under a minute
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Download Paylift HealthScore free on iPhone or Android.
Frequently asked questions
- What is Paylift HealthScore?
- Paylift HealthScore is a free app for UK contractors that turns your contracting position into a single health score out of 100. It scores your day rate against the market, your IR35 clarity, contract runway, CV strength, business structure, tax readiness and cash discipline, then shows you the highest-impact fix first.
- Who is it for?
- UK contractors, freelancers and sole traders — limited company directors, umbrella workers and day-rate contractors across IT, engineering, finance, construction and the trades.
- What does the score measure?
- Eight areas: rate vs market benchmark, rate freshness, IR35 clarity, contract runway, CV strength, business structure, tax readiness and records kept. Each one is scored and weighted, and every drop or gain is explained.
- Can it check my IR35 status?
- Yes. The built-in IR35 checker assesses your working practices and contract structure, flags mismatches between the two, and feeds the result straight into your health score.
- Does it show my real take-home pay?
- Yes. HealthScore calculates take-home across limited company, umbrella and sole trader routes, compares umbrella providers, and keeps a running view of income, expenses and the tax you should be setting aside each month.
- Is it free?
- Yes, HealthScore is free to download and use on the App Store and Google Play.
- Who makes HealthScore?
- It is built by Paylift, a UK financial technology company focused on contractors.