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Our umbrella company calculator has been built with the best intentions - to be accurate, transparent, and free.

Umbrella Company Calculator is a free-to-use tool for temporary workers in the UK. We’ve heard that some umbrella companies deliberately inflate illustrations to trick people into registering with them. We don’t like this at all. Therefore, we had the idea of creating an umbrella company calculator that is as accurate as possible.

Powered by the team at, Umbrella Company Calculator is ready for you to use now. Please click here to use the tool, or keep reading for more information. 

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About Umbrella Company Calculator

Tax code

Our umbrella company calculator uses a 1257L Week 1 / Month 1 tax code and Class 1 National Insurance Contributions.

Payment frequency

Weekly calculations are based on working 48 weeks in a year and monthly are based on 52 weeks. Find out why here.

Pay As You Earn (PAYE)

Umbrella Company Calculator is designed to be accurate and is based on Pay As You Earn (PAYE) – HMRC’s tax system.

Employment Costs

Employers National Insurance Contributions and the Apprenticeship Levy are taken into account (Employment Costs).

Student loan repayments

You have the option whether or not to include Student Loan Repayments in your tailored umbrella company calculation.


The only income umbrella companies generate for themselves is the margin they deduct. You can choose the weekly margin.

Holiday pay

Holiday pay, worked out as 12.07%, is included in the calculation – as most contractors want it paid each payment frequency.

Pension contributions

Umbrella Company Calculator does not include pension contributions, as most umbrella employees opt out of these.

£100,000 abatement

We take the £100,000 abatement (loss of personal allowance) into consideration with our calculations (unlike many umbrellas).

Don't forget...

Our calculator is for illustration purposes only. We’ve done what we can to be accurate, but actual take home pay may vary.
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Umbrella Company UK. £10 per week margin. FCSA accredited.

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