Work out pay from an umbrella company

You can use this tool to estimate what gross and net pay (take-home pay) should be from an umbrella company for a single role. It will also tell you what deductions are applied to this pay.

Read more about working through an umbrella company.

Who should use the tool

Anyone working through an umbrella company can use the tool. You’ll get the most accurate results if you’re:

• aged 21 or over
• under State Pension age

This is because it works out pay based on category A National Insurance contributions.

You can also use this tool if you’re an employment business (also known as a recruitment agency), to estimate pay for an umbrella company worker.

Before you start

You must have the assignment rate for the role. This is sometimes known as the uplifted rate, umbrella rate, day rate, or hourly rate.

You can find out the assignment rate from:

• the job advert for the role
• the employment business who found you the role

These documents, which you can get from your umbrella company, may help you use the tool:

• a payslip
• a pay statement, also known as a reconciliation statement
• an assignment schedule (you can also get this from your employment business)

From 6 April 2026, significant changes to PAYE responsibilities will come into effect for labour supply chains, that include umbrella companies. If you are an agency or end client, the rules mean that you are responsible for making sure PAYE is operated correctly when an umbrella company employs your workers. If we find an umbrella company has not paid the correct amount of PAYE to us, we may recover it from you. 

To help you prepare, we have published guidance on these changes to umbrella company rules and updated the Employment Status Manual. This provides details on how the changes will tackle non-compliance in the umbrella company market, and what this means for businesses.

Work out pay

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