UMBRELLA PAY · 2026/27
Umbrella take-home calculator
See how an assignment rate becomes taxable gross salary before PAYE deductions.
Estimated annual take-home
£65,809
- Assignment income
- £110,000
- Umbrella gross salary
- £95,261
- Employer NI from assignment
- £13,539
- Income Tax
- £25,536
- Employee NI
- £3,916
The assignment rate is not your gross salary. This estimate removes the umbrella margin and employer NI before PAYE. It excludes Apprenticeship Levy, holiday-pay timing, expenses and student loans.
SOURCES & REVIEW
Checked against official guidance
Last checked 14 July 2026 · Rule version GB-2026.27.1
GOV.UK: Employer rates 2026/27 ↗GOV.UK: Working through an umbrella company ↗COMMON QUESTIONS
Frequently asked questions
Is the assignment rate my salary?
No. The umbrella normally meets employment costs and its margin from the assignment income before arriving at gross taxable pay.
Does this prove a payslip is correct?
No. Check the key information document, reconciliation statement and payslip because holiday pay, pension, levy and other items can differ.