Take-home calculator

What would you actually take home?

Put your rate in and see the same figure three ways: CIS, PAYE umbrella, and gross payment status, with every deduction itemised. Then get a quote and we will check it against your real contract.

How to read these figures

This is an illustration, not a quote. It is not tax advice and it is not a guarantee of what you will be paid.
It assumes a standard tax code with the full personal allowance, no student loan, no other income, and that you work every week of the year. Your real figures will differ.
It uses England, Wales and Northern Ireland income tax bands for 2026/27. Scottish taxpayers have different bands and are not covered here.
CIS figures are not final. The deduction is a payment on account. You settle up through Self Assessment, which may mean a further bill or a refund.
Our margin is shown as a separate line so you can see it. Nothing is buried.

Rates last reviewed 18 August 2026. Full terms on our Terms of Use page.

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