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.
Results
On an umbrella day rate of £300, salary sacrificing £25 per day and working 47 weeks, you will take home £42,443 in pay (after tax) and add £5,875 to your pension.
After employer-side taxes (Employer's National Insurance, Company Margin and Apprenticeship Levy), this equates to £55,461 of taxable pay. When added together with £5,875 of pension contributions, this represents complete compensation of £61,336.
Full Breakdown
| Weekly (1 week) | Monthly (~3.92 weeks ) | Yearly (47 weeks) | |
|---|---|---|---|
| Gross Pay | £1,500 | £5,875 | £70,500 |
| Deduced for SIPP | -£125 | -£490 | -£5,875 |
| Before Deductions | £1,375 | £5,385 | £64,625 |
| Company Deductions | |||
| Employer's National Insurance (15%) | -£163 | -£637 | -£7,641 |
| Company Margin | -£27 | -£104 | -£1,246 |
| Apprenticeship Levy | -£6 | -£23 | -£277 |
| Employee Deductions | |||
| Employee's Pension Contributions | -£0 | -£0 | -£0 |
| Income Tax | -£205 | -£801 | -£9,616 |
| Employee National Insurance | -£66 | -£260 | -£3,120 |
| Umbrella Fees | -£6 | -£24 | -£282 |
| Pensions | |||
| Added to SIPP | £125 | £490 | £5,875 |
| Total Pension Contributions | £125 | £490 | £5,875 |
| Total | |||
| Taxable Employee Pay | £1,180 | £4,622 | £55,461 |
| Taxes and fees paid | -£277 (23.47%) | -£1,085 (23.47%) | -£13,018 (23.47%) |
| Take-Home Pay | £903 (76.53%) | £3,537 (76.53%) | £42,443 (76.53%) |
| Added to Pensions | £125 (SIPP) | £490 (SIPP) | £5,875 (SIPP) |
Allocate your income and savings using Saving Tool Advanced
This calculator serves as a general guide for figuring out how much you can put into a SIPP and take home. To run a full simulation that takes into account your income, outgoings, existing investments and lots more, create a scenario using Saving Tool Advanced.
Go to Saving Tool Advanced →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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