Agency Margin Calculator

Work out your true agency margin — charge rate vs pay rate after employer NI and pension costs.

Rate Details

Charge rate to trust (per hour)

Pay rate to worker (per hour)

Hours per weekWeeks per year

Employer NI (15% over £5,000) and a 3% auto-enrolment pension are deducted from the margin — the true margin is lower than the headline rate difference.

Your Margin

Headline margin (per hour)£10.00

Margin % of charge rate28.6%

Employer NI (annual)-£6,563

Pension (annual)-£1,463

True annual margin after employer costs

£11,475

≈ £221/week

Excludes umbrella fees, insurance, compliance and back-office costs. Adjust the pay rate to see how margin changes with worker pay.

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Agency Margin Calculator

Rate Details

Your Margin