Umbrella Company Calculator
Free & Trusted 2025/26
Calculate your umbrella company take-home pay for 2025/26. Uses the correct employer NI rate of 15% above £5,000 — updated April 2025. Enter your day rate with or without commas. Instant results.
| Gross contract income | — |
| Umbrella margin (weekly fee × 52) | — |
| Employer NI (15% above £5,000) | — |
| Gross pay (deemed salary) | — |
| Income tax | — |
| Employee NI (8%) | — |
| Net take-home | — |
Free Umbrella Company Calculator — 2025/26 Rates
Our free umbrella company calculator uses the correct 2025/26 employer NI rate of 15% — updated from April 2025 when the rate rose from 13.8% and the secondary threshold dropped from £9,100 to £5,000. This umbrella company calculator shows your exact take-home after every deduction, giving you a realistic picture of what ends up in your bank account.
📊 How to use this umbrella company calculator
Enter your day rate, working days (220 is typical), and your umbrella's weekly margin fee. The umbrella company calculator deducts the margin first, then applies employer NI at 15% above £5,000, then income tax and employee NI. This matches exactly how your umbrella company processes your pay in 2025/26.
What Changed for Umbrella Workers in 2025/26?
The employer NI changes from April 2025 reduced take-home pay for most umbrella company workers. The rate rose from 13.8% to 15% and the threshold at which it starts dropped from £9,100 to £5,000 — meaning more employer NI is deducted before your gross pay is calculated. Enter your day rate in our umbrella company calculator above to see the exact impact.
Umbrella vs Limited Company Outside IR35
For outside IR35 contracts, a limited company is always more tax-efficient than an umbrella company. The difference is typically £10,000–£15,000 per year. Use our IR35 calculator to compare umbrella vs limited company take-home at your day rate. For inside IR35 contracts, umbrella and limited company give similar take-home but the umbrella involves much less administration.