Inside IR35 Calculator (Umbrella Company)

If you are a UK contractor working through an umbrella company or your contract falls [inside IR35](/content/inside-vs-outside-ir35.php "inside IR35 explained"/index.html), understanding the transition from gross pay to net income is essential. Because your assignment rate must cover both employer and employee tax obligations, the calculation is rarely straightforward.

Use our inside IR35 calculator to estimate your weekly or monthly umbrella take-home pay. Updated for the 2026/27 tax year. All calculations are based on the latest HMRC tax bands, thresholds, and allowances.

Select Pay Cycle: Weekly Monthly
Hours Worked:
Hourly Rate (£):
Umbrella Margin (£):

Days Worked:
Daily Rate (£):
Umbrella Margin (£):

Calculate

Umbrella Take Home Pay Breakdown

Calculator Assumptions

• Calculations are estimates and based on 1257L tax code
• Your Personal Allowance will reduce if you earn above £100,000 per year
• Advance Holiday Pay
• No expenses
• No Workplace pension
• You don’t have any earnings from other sources this tax year

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: April 2026

If you have any questions or doubts, you can book a slot for a free consultation to understand your umbrella take-home pay. Use the form below to schedule your free consultation.

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