K tax code calculator

Enter your K code (e.g. K475) to see how the negative allowance affects your take-home. We apply the HMRC 50% overriding limit automatically.

Your contract

Tax year

Day rate: £500

£200£1,000

Days worked per year

Umbrella margin (£/week)

Typical £20–£30/week. Annual total: £1,300.

Pension contribution

Salary sacrifice from gross

Pension %: 5%

Tax code

Supports L, K, BR, D0, D1, 0T, 1T, NT codes.

Cumulative

W1/M1 ignores year-to-date and taper.

Adjust your contract details, then press Calculate take-home to see your full PAYE & NI breakdown.