Payroll & Take-Home Calculator

Umbrella, limited company and permanent payroll for the UK, Switzerland and all 27 EU member states, with regional taxes, household circumstances, tax-free allowances and expat regimes. Margin and company costs come off before tax; employer costs are funded from the assignment rate.

UK 2026/27 · CH 2026 · EU indicative 2025–26

Take-home with holiday pay and pension

Allowances, expenses and tax regimes

Monthly payroll

Day rate reconciliation

Every pound of the rate, in the order payroll takes it, until nothing is left.

Where the rate goes

Payslip breakdown

Sample payslip

Built from the figures above. Download the PDF to print it or send it to a contractor.

Company details
Employee and pay period

Holiday pay

Ways to raise take-home

Compliant options only

IR35 route comparison

Same rate, days and costs

Outside IR35 is only available when the client's Status Determination Statement (or your own assessment for small clients) says the role is outside. An umbrella always runs PAYE, so its result is the same whatever the IR35 status.

Pension method comparison

Same contribution percentages

Country comparison

Country notes and rates used

Your Company Name · Payroll and take-home calculator

Figures are estimates for illustration only and are not tax, legal or financial advice. Your actual pay depends on your tax code, personal circumstances and the payroll provider's records.

UK figures use HMRC 2026/27 rates and thresholds (tax code 1257L, category A NI, cumulative annual basis). Swiss figures use 2026 AHV/ALV/BVG rates and ESTV 2026 tax burden for each cantonal capital. EU figures model each country's main income tax, employee and employer social contributions for a single resident with no dependants, using 2025–26 parameters; regional and municipal rates, household circumstances (marital status, children, dependent parents), tax-free allowances and special regimes are modelled from 2026 rules where published, with some simplification. Use the results for quoting and illustration, and confirm with in-country payroll before contracting.