Tax, IR35, and Payments Are Changing the Rules

[cryptohog]

Several regulatory changes will shape freelancing in 2026. The state pension rise will bring many people close to or over the personal allowance threshold, meaning freelancers in semi-retirement may need to plan carefully to avoid unexpected tax bills.

At the same time, IR35 changes from April 2026 will shift PAYE and National Insurance responsibility to recruitment agencies. While intended to improve compliance, this could increase admin, tighten onboarding, and affect take-home pay for some contractors.

There is also better news. Late payment practices are under increasing scrutiny, with stronger enforcement and transparency expected. Freelancers who use clear contracts, deposits, and structured invoicing should see gradual improvements in cash flow reliability.

[cryptoenthusiast]

ir35 “simplification” somehow always seems to mean more admin and less take-home