Umbrella company calculator 2026/27
Your assignment rate is not your salary. This shows every deduction between the rate the agency quotes and the money that reaches your account.
Holiday pay is assumed rolled up in the rate. Employer costs are charged from the assignment income, not from your salary — but they come out of the same pot.
Estimated take-home ()
£0 per week
| Assignment income (year) | |
| Umbrella margin | |
| Employer NI (15% above £5,000) | |
| Apprenticeship levy (0.5%) | |
| Employer pension | |
| Your gross salary | |
| Income tax (PAYE) | |
| Employee NI | |
| Employee pension | |
| Net pay (year) | |
| Take-home as % of assignment income |
Umbrella vs limited company: which is better for you in 2026/27? (free guide)
Assumes tax code 1257L, no student loan, England/Wales/NI bands, employer NI charged on annual earnings above the secondary threshold with no Employment Allowance (umbrellas generally cannot claim it). Not tax advice.