CIS Take-Home Pay Calculator

Written & Reviewed by
Nikunja Shah
MBA in Finance & HR, PGDBM, Xero Advisor Certified and ACCA Part-Qualified Accountant

Updated on
01 June 2026

Reading time
8 mins

Use our CIS tax calculator to estimate your take-home pay when working through an umbrella company under the [Construction Industry Scheme (CIS)](/content/what-is-cis-umbrella.php "what is CIS scheme"/index.html). This calculator provides a simple way to estimate your income after CIS tax and umbrella fees, so you can see what your pay might look like before it reaches your bank account. This calculator helps you work out exactly:

• How much tax is applied under CIS
• What your take-home pay will be, after CIS tax and umbrella company margin

Whether you're paid weekly or monthly, and whether you're verified, unverified, or have gross payment status, this tool gives you instant clarity with no guesswork. You can also download the Excel version of this calculator and use it offline for free.

Calculate Your CIS Take-home Pay

• Frequency
  Weekly
  Monthly

• Hourly Rate (£)
  Weekly Hours
  Umbrella Margin (£)

• Day Rate (£)
  Days Worked
  Umbrella Margin (£)

• CIS Status
  Verified
  Unverified
  Gross Status

Calculate

CIS Calculation Results

• Gross Pay
  0.00
• Umbrella Margin
  0.00
• CIS Tax
  0.00
• Take-Home Pay
  0.00

Download CIS Tax Calculator (Excel version)
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CIS Calculation Example

Fill in the same fields on your calculator. The right-hand panel shows the pay breakdown.
Important: CIS is applied to the payment after the umbrella fee has been removed:
CIS = rate × (Gross pay − Umbrella fee).

• Frequency
  Weekly

• Hourly rate (£)
  £35

• Hours per week
  40

• Umbrella margin / fee (per week)
  £20

• CIS status (example)
  Verified — tax rate used: 20%

Example uses 20% for verified subcontractors, 30% for unverified. Gross payment status means no CIS tax.

Tip: Set your calculator to Weekly and enter the values above to reproduce this CIS calculation example.

What is the Construction Industry Scheme (CIS)?

The Construction Industry Scheme (CIS) is a UK tax scheme where contractors deduct money from a subcontractor’s payments and pass it to HMRC. This deduction counts as advance payments toward the subcontractor's tax and National Insurance.

CIS Status & Tax Rates

The tax rate depends on your registration status:

Understanding CIS and Umbrella Companies

Construction Industry Scheme (CIS) and [umbrella companies](/content/cis-umbrella-companies.php "CIS umbrella companies"/index.html) are two different ways contractors can be paid in the UK. Under CIS, self-employed subcontractors working in construction have tax deducted at source by the contractor before payment. In contrast, umbrella companies employ contractors and handle all PAYE tax and National Insurance contributions, offering a more straightforward solution for those working on short-term contracts or across multiple clients. The choice between the two often depends on your work type, admin preferences, and tax status.

Who should use this CIS calculator?

This tool is designed for:

• Construction subcontractors working through CIS
• Freelancers or sole traders in the building and maintenance sector
• Contractors or agencies helping workers estimate pay
• New CIS workers who want to understand how much they’ll actually receive
• Knowing your net pay helps with budgeting, mortgage planning, and avoiding unpleasant surprises on payday.

Frequently Asked Questions (FAQs)

Is this CIS calculator accurate?

Yes. It uses the latest CIS tax rules and applies them based on your selected status and input values.

What is an umbrella company margin?

This is typically the weekly or monthly margin retained by your agency or umbrella company for administrative services.

Can I download it for offline use?

Yes, absolutely. You can download the Excel version of this calculator for offline use.

Can I get a copy of the result?

Yes — simply take a screenshot of your results. For business use, contact us for a branded calculator version.

Calculations Reviewed by
✔ Verified

Nikunja Shah
Xero Advisor Certified | ACCA Part-Qualified Accountant

Calculations on this page have been reviewed and verified to ensure accuracy and alignment with current UK tax regulations for the 2026 tax year.

Last reviewed: June 2026

IT Contractors UK has supported the UK contractor market since 2013 with practical guides, calculators, directories and compliance-conscious resources for contractors and service providers.