Independent, free matching for contractors, freelancers and locums. Tell us about your contract and we'll find you a compliant umbrella company — with exclusive joining bonuses, no setup fees and no exit fees.
No searching, no sales calls from dozens of providers. One short form and we do the legwork.
Your day rate, role and agency. It takes two minutes and it's completely free — no obligation, ever.
We shortlist compliant umbrella companies with real take-home figures, transparent fees and joining bonuses side by side.
We handle onboarding with your agency. Submit your timesheet and get paid weekly or monthly — insurance included.
We exist to remove the guesswork from choosing umbrella payroll — and to keep you away from the providers that overpromise.
We're not tied to any single provider. Advice is free — we're paid by our partners, never by you.
Every umbrella on our panel runs fully compliant PAYE payroll. No loan schemes, no loopholes, no 90% promises.
Several of our partners pay out the same day they receive funds from your agency. No waiting around.
Professional indemnity, public liability and employer's liability cover built into your provider's service.
No joining charges, no leaving penalties, no minimum terms. If a provider isn't right, you simply move on.
Already with an umbrella? We'll compare your current deal and switch you mid-contract with no gap in pay.
Once you're matched, your umbrella company employs you for the life of your contract. You keep the freedom of contracting — finding your own roles and choosing when to work — while everything financial is handled for you.
Submit one timesheet a week. Your provider invoices the agency, runs payroll, files your RTI with HMRC and pays you. No accountant, no company admin, no tax return surprises.
All calculators use current 2026/27 tax rates and are free to use — then get a personalised quote.
Your weekly and monthly take-home pay through a PAYE umbrella.
Calculate →Inside vs outside IR35 — see how your status affects take-home pay.
Calculate →How much tax will you pay on withdrawing a pension lump sum?
Calculate →Estimate CGT on shares, property and other asset disposals.
Calculate →How much Child Benefit you'll keep after the High Income Charge.
Calculate →Your employee NI contributions for the 2026/27 tax year.
Calculate →Estimate inheritance tax on an estate using current IHT rules.
Calculate →Tax due on dividends above the £500 allowance.
Calculate →Convert hourly, daily or annual pay and see what you take home.
Calculate →How umbrella employment works, who it suits, and the benefits and risks to weigh up.
ComparisonThe practical differences between agency PAYE and umbrella payroll — and which fits you.
ComparisonTax efficiency, admin burden and IR35 — which structure is right for your situation.
FeesMargins, employer NI, the apprenticeship levy and the fees that should ring alarm bells.
ChecklistSeven practical tips to spot a compliant, fairly-priced provider — and avoid the rest.
All guidesOur full library of contractor guides, from IR35 to expenses and beyond.
No. Our comparison service is completely free for contractors. We're paid by our umbrella company partners, so you never pay us a penny.
Most of our partners pay weekly or monthly once your timesheet is approved, and several offer same-day payment after funds are received from your agency.
Holiday pay is accrued at 12.07% of your pay and paid to you during time off. Our partners typically only charge their margin while you are actively working.
No. Every provider we recommend operates with no setup fees, no exit fees and no minimum-term commitments.
We can compare your current provider's fees and take-home pay against our partners. Switching is straightforward and usually happens within the same week, with no gap in pay.
That's fine. You can switch umbrella companies mid-contract — your recruitment agency simply redirects payments to your new provider.
No. You remain an employee paid through compliant PAYE payroll. Your IR35 status is determined by your end client, not by your umbrella company.
Be very cautious. Once employer National Insurance at 15% is accounted for, 90% retention is not achievable legally. Providers making such claims are usually non-compliant.
Your details are used only to produce your quotes and are never sold. We are fully GDPR compliant — see our privacy policy for details.
Didn't find what you're looking for? Contact us today.
We bring years of industry experience to finding the right umbrella payroll for you — and help you keep more of what you earn.