PAYE
3% employer pension + 5% worker pension (4% net deduction)
£0.00/day
Estimated weekly take-home
£0.00
- Weekly gross
- £0.00
- Income tax
- £0.00
- Worker NI
- £0.00
- Worker pension
- £0.00
- Holiday pay
- Included & paid out
GCA take-home calculator
Compare the rate. See the take-home.
Start with PAYE, compare an all-inclusive umbrella rate, then reverse the result back to the PAYE rate needed for the same take-home.
Built on weekly 1257L tax and National Insurance with actual employer costs and pension, so you can compare like for like. Figures are illustrative.
Umbrella
8% employer pension + 0% worker pension
£0.00/day
Target weekly take-home
£0.00
- Umbrella gross pay
- £0.00
- Employer NI
- £0.00
- Employer pension (8%)
- £0.00
- G&S Levy*
- £0.00
- Umbrella margin
- £0.00
- Holiday pay
- Included & paid out
Reverse check
Umbrella take-home target£0.00
PAYE rate needed to match that take-home£0.00/day
PAYE employer cost at original rate£0.00/week
Umbrella all-inclusive invoice£0.00/week
How it works. This simplified public calculator uses the same weekly 1257L tax/NI and actual-cost logic as the supplied GCA framework calculator. It assumes PAYE holiday pay is included in the entered rate; umbrella is an all-inclusive invoice. PAYE uses a 3% employer pension plus a 5% worker pension paid as 4% net under relief at source. Umbrella uses an 8% employer contribution and no worker pension deduction. The take-home uplift is explicit and editable — it is not presented as a guaranteed umbrella advantage. Figures are indicative, use one standard week and exclude student loans, other deductions and VAT.
* From August 2026 the government renamed the Apprenticeship Levy the Growth and Skills Levy (G&S Levy for short). Payslips, Key Information Documents, invoices and contracts issued before the change may still call it the Apprenticeship Levy or App Levy.