Enter your contract details to see what you would actually keep through an umbrella company — with employer costs, income tax and National Insurance shown line by line.
Figures are estimates for guidance only. They use 2026/27 rates and assume the standard Personal Allowance and tax code 1257L. Your actual pay depends on your tax code and circumstances.
Two costs come out before you are paid, and they surprise people who are new to umbrella working.
As your employer, the umbrella pays 15% National Insurance on your salary above the secondary threshold. That money comes out of the assignment value, not from a separate pot.
Employers with a pay bill over £3m pay a 0.5% levy. An umbrella employing many contractors exceeds that, so the cost forms part of the calculation.
The umbrella's own fee, deducted before payroll. This is the figure you should compare between providers — and the one to check is genuinely all-inclusive.
What the figures do and do not account for.
Because employer's National Insurance is 15% on salary above the threshold, and it is funded out of the assignment value before you are paid. Any provider quoting a 90% retention rate is either not accounting for that cost or is operating a scheme HMRC would take a dim view of.
Holiday pay accrues at 12.07% of your earnings and is paid to you when you take leave, so it is part of your overall remuneration rather than an extra on top. The figure shown is your pay while working.
Most contractors do not work 52 paid weeks a year once holidays, bank holidays and gaps between contracts are accounted for. Using a realistic number gives you a truer annual picture. Change it to see the difference.
It should be close, assuming the standard tax code and that you have no other income. Your payslip is the authoritative figure — this is an estimate to help you plan and compare.
Give us your contract details and we will confirm your take-home and our fee in writing — no obligation.