Take-Home Pay Calculator. Ltd vs sole vs umbrella.
Drag the slider to a target annual income, pick your region, and see net take-home as a limited-company director, a sole trader, and an umbrella employee — all three on the same page. The Ltd estimator now models employer NIC + Corporation Tax for a true apples-to-apples comparison.
For a Ltd director this is what the company can pay out in total (before CT + salary). For umbrella, the assignment rate.Comparing apples to apples requires treating Ltd payouts as distributable profit BEFORE Corporation Tax. We model 19% CT under £50k profit and 25% over £250k with marginal relief in between.
Compare-mode shows all three side-by-side with a 'Best' badge on the highest-net column.
Scotland uses its own 6-band income tax system.
- Target / assignment£60,000
- Best net to you£46,831
Ltd estimate now models the FULL flow: target → employer NIC on the £12,570 salary → Corporation Tax on the remainder → dividend tax on the distributed balance. Compare-mode shows real apples-to-apples figures for the same total company-can-pay envelope.
Side-by-side, all the maths in the open.
- Gross profit£60,000
- Income tax−£11,432
- Class 4 NIC−£2,457
- Net to you£46,111
- Director salary (PA)£12,570
- Employer's NIC−£1,136
- Corporation Tax−£8,796
- Dividends drawn£37,498
- Dividend tax−£3,237
- Net to you£46,831
- Assignment rate£60,000
- Employer's NIC + margin−£8,718
- Income tax−£7,945
- Class 1 NIC−£3,036
- Net to you£40,301
Real-world structure decisions also weigh limited liability, IR35, mortgage applications, exit-relief planning, and the cost of accountancy + companies house compliance. The maths picks a winner; we help you pick the right one for your life.