Umbrella Take Home Pay Calculator

This umbrella take home pay calculator shows what you actually keep when paid through an umbrella company inside IR35. It works out the umbrella margin, employer National Insurance, the Apprenticeship Levy, then your PAYE Income Tax and National Insurance.

The assignment rate an agency quotes to the umbrella is an uplifted rate designed to absorb the employment costs first, which is why umbrella take-home looks lower than the headline number.

On a £400 a day assignment (£88,000 a year), after roughly £1,100 margin, £9,400 employer NI and £400 Apprenticeship Levy, your gross salary is about £77,100 and take-home is around £55,300 a year, or £4,600 a month.

Only the margin is the umbrella's fee; employer NI and the Apprenticeship Levy are statutory costs funded from the rate.