Umbrella Company Calculator
Your day rate funds employer NI and the umbrella margin before you see gross pay.
Result
Annual contract value£99,000.00
Assignment gross pay£85,782.61
Employer NI£12,117.39
Umbrella margin£1,100.00
Income tax + employee NI£25,471.30
Annual take-home£60,311.31
Weekly take-home£1,370.71
Effective deduction39.1%
Umbrella Company Calculator — FAQs
Umbrella vs limited company?
Umbrella = PAYE simplicity but employer NI comes out of your rate. Outside-IR35 limited company usually nets 10–15% more via dividends.
Is my rate the contract rate?
Check whether your quoted rate is the 'assignment rate' (includes employer costs) — recruitment ads often quote the inflated figure.
Contracting or Hiring Contractors?
We build payroll integrations and IR35-aware contractor platforms.
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