[ukoki]

Yep with the inside-IR35 contracts I need to charge a premium, but even the +20% premium I charged with my current contract is not close to covering my extra costs.

I'm also strongly incentivised to do stuff like timing long inside-I35 contracts (eg 12 months) so they straddle two tax years so that the marginal tax rate in each year only approaches "very unpleasant" and doesn't reach "extremely unpleasant". And with the remaining time either do outside-IR35 contracts if I can find them, or just stop working and enjoy my time and money because at 70%+ marginal tax rates the motivation really starts to dissapear.