How much will you actually take home through an umbrella company? Enter your contract rate below and get an instant estimate — fully updated for 2026/27 tax rates.
Typical margins are £15–£30 per week. Flat fees beat percentage fees.
Most umbrella companies pass the 0.5% levy on to contractors.
Estimate only — not financial advice. Figures assume a full-year calculation on current 2026/27 rates.
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Get My Free QuoteUnderstanding the deductions helps you spot bad deals before you sign.
You submit your timesheet. Your umbrella invoices the agency at your contract rate for every hour or day worked.
Employer National Insurance (15% above £5,000) and the apprenticeship levy are paid out of your assignment value before tax.
The rest is your gross salary. Income tax and employee NI are deducted and your net pay lands in your bank account.
Inside vs outside IR35 — see the difference in take-home pay.
CalculatorYour employee NI contributions for 2026/27.
GuideWhich structure is right for your contract?
GuideSpot the red flags before you sign anything.
GuideThe practical differences, explained simply.
LibraryBrowse our full contractor guide library.
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