Umbrella contract planning
Umbrella Take-Home Pay Calculator
Start with your rate and working pattern to see the estimated monthly and annual outcome, then compare it with alternative engagement routes.
Private by design: your profile remains in browser storage only. No account is required.
Methodology and assumptions
The output is a planning estimate and depends on the payroll provider, assignment rate, pension choices and personal circumstances. Confirm final payslip treatment with your provider or adviser.
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The dashboard keeps your assumptions together so you can compare routes, inspect deductions, adjust pension and company inputs, and move from a headline estimate to practical planning actions.
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Compare estimated take-home pay for outside IR35, inside IR35, umbrella and permanent employment using one private contractor profile.
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Inside vs Outside IR35 Calculator
Compare estimated financial outcomes for inside and outside IR35 contracts, then review the working-practice questions that influence IR35 risk.
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Contractor Cashflow Planner
Plan monthly contractor income, expenses, tax reserves and safe personal drawings using your selected engagement route.
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