PayBreakdown - Salary Calculator & Budget Manager

Umbrella company take-home pay calculator

Plan umbrella company pay, day-rate income, PAYE deductions, pension, holiday pay, margin, and take-home salary comparisons.

What this page helps with

Umbrella company searches often overlap with inside IR35. This page targets umbrella pay, contractor PAYE, day-rate conversion, holiday pay, pension, and net pay comparison terms.

Official sources

Income Tax rates and Personal Allowances National Insurance rates and categories Student loan repayment thresholds Pension tax relief National Minimum Wage and National Living Wage rates Statutory Maternity Pay and Leave Statutory Sick Pay FCA guidance on misleading financial promotions Off-payroll working and IR35 guidance Understanding off-payroll working Salary sacrifice for employers NHS Employers pay scales 2026/27 NHS Health Careers Agenda for Change pay rates

Frequently asked questions

Is the umbrella company take-home pay calculator financial advice?

No. PayBreakdown pages are planning routes and calculator entry points only. Use official sources, employer documents, lender information, or a qualified adviser before making important decisions.

Can I adjust the assumptions?

Yes. The related calculators let you change salary, tax, pension, student loan, budget, mortgage, loan, or debt assumptions where the current tool supports them.

Last updated 2026-05-07. Planning estimates only. Not financial advice.