If you are a UK contractor working through an umbrella company or your contract falls inside IR35, 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.
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.