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Umbrella Company Take-Home Calculator

Estimate take-home pay for agency workers paid through an umbrella company — after margin, income tax, NI and 12.07% holiday pay.

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Assignment Details

£
£
Assumes 2025/26 tax year, standard PAYE umbrella with 12.07% holiday pay accrual. Your umbrella company may charge differently — check your contract.

Your Take-Home

Gross assignment value (annual)£48,750
Umbrella margin (annual)-£1,300
Income tax-£5,806
National Insurance-£2,790
Holiday pay (12.07% accrued)+£5,884
Estimated annual take-home (excl. holiday pay)
£38,854
≈ £3,238/month · £747/week

Employer-side costs for the agency: employer NI ≈ £6,368 and apprenticeship levy ≈ £244 per year. Estimates only — always confirm with your umbrella company.