Deciding how best to structure your earnings? Whether you value the tax efficiencies of your own limited company or the administrative simplicity of an umbrella provider, our Limited Company vs Umbrella Calculator gives you a clear, side‑by‑side comparison of your take‑home pay.
Running your business through a limited company often delivers generous tax benefits, like corporation tax relief on expenses, the flexibility to extract profits as dividends, and tax‑efficient pension contributions. An umbrella company, by contrast, manages PAYE, National Insurance, holiday pay and payroll filings for you, but that convenience usually comes with higher deductions.
To get started, simply choose your rate type (hourly or day), enter your rate, and hit Calculate.
Limited Co vs Umbrella Calculator
Compare net income and tax paid using a Limited Company or an Umbrella Company.
Comparison Results
| Metric | Limited Co | Umbrella Co | Difference |
|---|---|---|---|
| Annual Net Income (£) | |||
| Monthly Net Income (£) | |||
| Tax Paid (£) |
This calculator applies current UK tax rules. For a bespoke comparison, incorporating your umbrella provider’s specific fees or complex expense claims, consult a specialist accountant before making your final decision.