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    • Contracting via a limited company – advantages and disadvantages
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    • Limited or umbrella company – which is best for contractors?
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  • Umbrella Company
    • How to compare umbrella companies: 20 things to consider
    • Contractor umbrella company fees – how much do they charge?
    • How can you find umbrella company reviews?
    • Umbrella Company Directory
    • Umbrella Company Calculator
  • IR35
    • IR35 and Off-Payroll explained – a simple beginner’s guide
    • When was IR35 introduced? Timeline from 1999 to 2023
    • 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?
    • Contractor accountant fees – what are the typical costs?
    • Your company annual accounts – the basics, and filing deadlines
    • Accountants Directory
  • 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?
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    • What is a SIPP?
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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 margin

Umbrella company margins – how much should you pay?

Posted by By James Leckie 16th April 2025
How do umbrella schemes charge for their services, and what should look out for when comparing the fees (margins) charged by different umbrella companies?
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umbrella company calculator

Umbrella Company Calculator – calculate your net pay (2025/26)

Posted by By James Leckie 16th April 2025
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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umbrella company ir35

How does IR35 affect umbrella company employees?

Posted by By James Leckie 11th April 2025
In this article, we look at IR35 and how it affects contractors. Why umbrella companies are the logical choice for contractors caught by the IR35 rules.
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umbrella workplace pension

Quick guide to umbrella company pension contributions

Posted by By James Leckie 24th March 2025
This guide provides an overview of umbrella company workplace pension schemes, including information on tax relief and opting in or out of the scheme.
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net take home pay umbrella

Net take-home pay calculation tricks used by some umbrella companies

Posted by By James Leckie 8th March 2025
When you request a net take-home pay calculation from prospective umbrella providers, the numbers should all match. But, often, they don't.
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preferred supplier list PSL umbrella

Umbrella companies and agency PSLs – how do they work?

Posted by By James Leckie 31st January 2025
If you've found a contract through a recruitment agency, you'll often be encouraged to use an umbrella on the agency's preferred supplier list (PSL).
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Calculate gross and net pay

Umbrella companies – how is net take home pay calculated?

Posted by By James Leckie 23rd January 2025
We look at how net pay is calculated for PAYE umbrella company employees, following deductions from your assignment (umbrella rate) and gross pay rate.
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continuity of employment umbrella company

Continuity of employment as an umbrella company employee

Posted by By James Leckie 19th January 2025
If you work via an umbrella, you can benefit from 'continuity of employment' - where you continue to be employed by the umbrella even when a contract ends.
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agency paye umbrella

Agency PAYE vs umbrella company payroll – what is the difference?

Posted by By James Leckie 19th January 2025
If you are a contractor working on temporary assignments, there are two common ways in which you will be paid – via agency PAYE or through an umbrella company. Here, we explain the differences.
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umbrella apprenticeship levy

Umbrella company payslips – what is the Apprenticeship Levy?

Posted by By James Leckie 18th January 2025
If you are an umbrella company employee, you may notice deductions for the Apprenticeship Levy on your payslips. What does this deduction mean?
Read More

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