How do you calculate your net take-home pay if you work via an umbrella company?
Umbrella Company Tax Calculator (2025/26)
Enter values into the blue boxes to calculate your weekly net take home pay.
Calculator Assumptions
To make the calculator as simple as possible, we’ve made a few assumptions:
- You are eligible for the full personal allowance (£12,570) – with a standard 1257L tax code.
- Employers’ NICs increased from 13.8% to 15% from April 2025. The threshold at which employers’ NICs apply was cut from £9,100 to £5,000 (the ‘secondary threshold’)
- Your holiday pay is ‘rolled up’ (advanced) and this is included in your weekly gross pay.
- You are not enrolled in the umbrella company’s workplace pension.
- We have included the option to pay into a personal pension via salary sacrifice.
- You’re not making student loan repayments out of your pay.
Umbrella company terms – find out more
- What is an Assignment Rate?
- Employers’ NICs (read why this is deducted)
- Apprenticeship Levy
- Holiday Pay
- Umbrella company margins
A note about net take home pay calculators
There are dozens of umbrella company calculators available online, but they often yield different results.
This is often because many variables are involved in calculating net take-home pay, and most calculators don’t account for everything (e.g., pension contributions, student loans, different tax codes, etc.).
In some cases, the calculations are either incorrect or outdated.
Worse still, on some online calculators, you enter your daily rate and are then asked to fill in a form to receive your results!
You can use the government calculator (below) – and yes, our results match!
Government payslip checking tool
If you want to check that your payslip is correct, try the Government’s new umbrella payslip checking tool. It was updated in December 2024.
General advice for umbrella employees
- Request a tailored take-home pay calculation if you want to use an umbrella company for your payroll.
- Read our article on how to make sure the deductions on your payslip are legitimate.
- If you currently use an umbrella company and have any questions about your pay, please get in touch with your account manager.
- As an umbrella company employee, you are ultimately responsible for choosing a compliant umbrella company and paying the correct amounts of tax and NI.
- Therefore, ensure you undertake thorough due diligence and never be tempted to use a tax avoidance scheme (non-compliant umbrella company) because the consequences could be severe.
For a collection of helpful umbrella company guides, please click here.
Looking for an umbrella company?
- Umbrella Company UK – £10/week special offer for our visitors. FCSA accredited
- Churchill Knight Umbrella – Very experienced team, highly rated. FCSA accredited.