Umbrella take-home calculator

Enter your contract terms and tax code. We reverse out the employer costs the umbrella deducts before calculating your PAYE and NI.

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.