Umbrella Take-Home Calculator 2026/27
Model your expected annual take-home from umbrella contracting with pension support and transparent deductions. Tweak the key assumptions in seconds, then refine the full settings below.
Day Rate
£per day
Number of weeks worked per year
weeks per year
Company Margin
£per week
Umbrella Fees
£per week
Salary Sacrifice Pension (per day)
Your take-home pay
£42,443a year
£3,537 a month on £300 a day for 47 weeks, salary sacrificing £25 a day.
- Take-home pay£42,44360.2%
- Pensionincluding salary sacrifice£5,8758.3%
- National Insurance£3,1204.4%
- Employer NI and Apprenticeship Levypaid from your rate£7,91911.2%
- Income Tax£9,61613.6%
- Umbrella margin and fees£1,5282.2%
- Taxable pay
- £55,461
- after employer costs
- Added to pensions
- £5,875
- including tax relief
- Total pay and pension
- £61,336
Full breakdown
Monthly figures spread 47 weeks of work evenly over 12 months.
| A week | A month | A year | |
|---|---|---|---|
| Billed at your day rate | £1,500 | £5,875 | £70,500 |
| Salary sacrificed into your SIPP | -£125 | -£490 | -£5,875 |
| Paid by the umbrella company | |||
| Employer's National Insurance (15%) | -£163 | -£637 | -£7,641 |
| Company margin | -£26 | -£104 | -£1,245 |
| Apprenticeship Levy | -£6 | -£23 | -£277 |
| Taxable pay | £1,180 | £4,622 | £55,461 |
| Taken from your pay | |||
| Income Tax | -£205 | -£801 | -£9,616 |
| Employee National Insurance | -£66 | -£260 | -£3,120 |
| Umbrella fees | -£6 | -£23 | -£282 |
| Take-home pay | £903 | £3,537 | £42,443 |
| Added to your pensions | |||
| SIPP (salary sacrifice) | £125 | £490 | £5,875 |
| Total added to pensions | £125 | £490 | £5,875 |
Your pay at other day rates
What you keep above the line and what is taken below it, for a year at each £50 of day rate with your other settings unchanged.
- Take-home pay
- Pension
- NI and student loan
- Employer NI and levy
- Income Tax
- Margin and fees
Notes
- Assumes your Umbrella company allows you to contribute to a SIPP (Self-Invested Personal Pension) on a Salary Sacrifice basis
- Allows you to add on an additional NEST-like pension, which is common practice for umbrella companies
- Assumes holiday pay paid in advance
- Does not include any expenses such as mileage
- Postgrad loans are currently unsupported
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