Calculator

Take-Home Pay Calculator

Estimate umbrella take-home pay using indicative 2026/27 UK assumptions.

Umbrella route

Estimate your umbrella take-home pay

Day rate

Days per week

Weeks per year

Umbrella margin per week

Tax region

Student loan

Holiday pay treatment

This gives an indicative umbrella outcome using 2026/27 settings.

Results

Estimated take-home

Enter your details and click calculate.

Assumptions

Calculator assumptions

Personal allowance: £12,570Basic rate band: £37,700Employee NI: 8% main / 2% upperEmployer NI: 15%Employer threshold: £5,000Holiday accrual default: 12.07%