Take Home Pay Calculators

About the calculators

These calculators have been developed as guides to help you compare and contrast different ways of working under the Off-Payroll Working rules, currently governing the Public Sector and set to be introduced into the Private Sector in April 2021 (see IR35 Explained for more information).

Please note: If you are working as an umbrella employee, arrangements relating to salary and expenses cannot be amended before or during the course of an assignment once the contract is agreed.

For a precise calculation, taking into account all sources of income, we recommend speaking to your personal tax adviser.



The amount provided is an estimate using the following assumptions:

  • Tax code 1250L
  • No other income in the year
  • No expenses of employment
  • No pension contributions
  • No auto-enrolment contribution (8% of gross taxable income) included in payroll umbrella calculation
  • Annual payroll umbrella fees of £1,440
  • Annual accounting fees of £1,500
  • Annual PI costs of £400 included in limited company calculation (this is free to payroll umbrella employees)


The amount provided is an estimate using the following assumptions:

  • Tax code 1250L
  • No other income in the year
  • No expenses of employment
  • No pension contributions
  • Annual accounting fees of £1,500
  • Annual PI costs of £400


The amount provided is an estimate using the following assumptions:

  • Tax code 1250L
  • No other income in the year
  • No auto-enrolment contribution (8% of gross taxable income) included in payroll umbrella calculation
  • Annual Competex Pro fees of £1,440
  • Generalist umbrella fees of £1,200
  • Annual accounting fees of £1,500
  • Annual PI costs of £400 included in limited company calculation (this is free to payroll umbrella employees)
  • Tax rebate on pension contributions paid from personal taxed income
Amy FowlerTake Home Pay Calculators