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News and resources for IT Contractors

  • Limited Company
    • Contracting via a limited company – advantages and disadvantages
    • How to set up a limited company as a contractor – comprehensive guide
    • Limited or umbrella company – which is best for contractors?
  • Umbrella Company
    • How to compare umbrella companies: 20 things to consider
    • Contractor umbrella company fees – how much do they charge?
    • How to find reliable umbrella company reviews
    • Umbrella Company Directory
    • Umbrella Company Calculator – calculate your net pay (2026/27)
  • IR35
    • IR35 and Off-Payroll explained – a simple beginner’s guide
    • IR35 timeline: when it was introduced and how it evolved
    • Download free IR35 contract templates and example clauses
    • Guide to IR35 contract review services for IT contractors
  • Accounting
    • Contractor accountants – what to look out for
    • Do you have to appoint an accountant for your limited company?
    • Your company annual accounts – the basics, and filing deadlines
    • Top 10 Contractor Accountants (2026)
  • Tax
    • What is the most tax-efficient director’s salary in 2025/26?
    • Corporation tax – guide for limited company contractors
    • Limited company tax basics for contractors
    • What are limited company dividends and how are they taxed?
  • Expenses
  • Insurance
    • Business insurance – what’s mandatory?
    • Professional Indemnity
    • Public liability insurance
    • Employers’ liability insurance
    • Life Insurance
    • Income Protection
    • Private Medical Cover
    • Critical Illness Cover
  • Work
  • Finances
    • Contractor Pensions
    • What is a SIPP?
    • Contractor Mortgages
    • Business Banking

Umbrella Company Guides

Many contractors – out of choice or necessity – work via PAYE umbrella companies.

This is a low-stress way of getting started as a contractor, although less tax-efficient than working via a limited company.

There are hundreds of umbrella companies out there.

It is crucial that you only sign up to an established UK-based PAYE umbrella, as there are some unscrupulous providers out there.

Use our concise guides to learn how this business structure works in practice, what to look out for, and how to find the best umbrella provider to fit your needs.

  • How much do umbrella companies cost? – the ‘margin’ or ‘fee’ charged by providers varies considerably.
  • Compare umbrella companies – how to compare umbrella providers – 20 things to look out for so that you can accurately compare umbrella firms.
  • Expenses you can claim via an umbrella company – HMRC has clamped down on the scope of reclaimable expenses, so what can you still claim for?
  • Umbrella company reviews – how to find genuine feedback on the bewildering choice of umbrella companies.
  • IR35 and umbrella working – does this infamous legislation affect umbrella contractors, or just limited workers?
  • Umbrella advantages and disadvantages – the pros and cons of working via a PAYE umbrella company.
  • Limited or Umbrella Company? – which is the best route for you?
  • Is your umbrella company payslip correct? – use online tools to make sure your deductions are correct.

Umbrella Company Directory

umbrella company calculator

Umbrella Company Calculator – calculate your net pay (2026/27)

16th March 2026
Our MS Excel Umbrella Company Calculator provides an accurate breakdown of deductions and taxes from your assignment rate. What is your net take home pay?
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review umbrella companies

How to find reliable umbrella company reviews

22nd February 2026
If your scan the web for umbrella company reviews, how do you know if the information you view is legitimate? Here's why you should be cautious.
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umbrella company fees costs margin

Contractor umbrella company fees – how much do they charge?

15th February 2026
We look at typical fees charged by umbrella company providers, and why you should consider additional factors before signing up.
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compare umbrella companies

How to compare umbrella companies: 20 things to consider

5th January 2026
If you decide to work via an umbrella company, how do you find a reputable and efficient provider? Read these 20 tips to help compare umbrella companies.
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umbrella holiday pay

Umbrella companies – what is holiday pay? Don’t lose your entitlement

3rd January 2026
As an employee of an umbrella company, you are entitled to receive statutory holiday pay. Here we look at how holiday pay is calculated for contractors.
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umbrella pros cons

The pros and cons of contracting via an umbrella company

1st December 2025
We look at the pros and cons of contracting via an umbrella company - seen by many as the "hassle free" solution by many.
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umbrella company payslip

What do the deductions on my umbrella company payslip mean?

23rd October 2025
As an umbrella company employee, you should receive a payslip every time your pay is processed. This guide explains what each entry on a payslip means.
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check umbrella payslip

Online tools to check your umbrella company payslip is correct

13th October 2025
How can you check that your umbrella company payslip and net take home pay figures are correct, comply with UK tax laws, and don't include any unexpected deductions?
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register umbrella company

How to register with an umbrella company (and switch if you’re not happy)

7th September 2025
Learn how to register with an umbrella company and what’s involved if you switch providers. Steps, documents, contracts, pitfalls and tips included.
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employers nic umbrella

Why do umbrella company contractors have to pay Employer’s NI costs?

3rd July 2025
One of the most frequently asked questions by umbrella employees is why they are responsible for paying Employers National Insurance Contributions (NICs).
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