Umbrella Company Calculator 2025/26
Calculate your umbrella company take-home pay and compare with a limited company.
Contract Details
Assignment Rate (Annual)
£115,000
Umbrella Take-Home
£67,876
£5,656/month · 41.0% effective rate
Ltd Co Take-Home (comparison)
£74,292
£6,191/month · 35.4% effective rate
Umbrella Breakdown
Assignment Rate£115,000
Umbrella Margin (£25/week)-£1,150
Employer's NI (13.8% above £9,100)-£14,456
Apprenticeship Levy (0.5%)-£569
Gross Pay (PAYE)£98,825
Income Tax-£26,962
Employee NI-£3,987
Take-Home Pay£67,876
Switching to a Ltd Company could save you
£6,416 per year
£535/month · Ltd Co is more tax efficient
Ltd Co comparison assumes no business expenses, optimal £12,570 salary, all profits as dividends.
Calculations based on 2025/26 tax rates. Umbrella figures are estimates. Actual take-home may vary.