£300 a day: take-home pay 2026/27
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What a £300 day rate actually pays in 2026/27, worked both ways: inside an umbrella company and outside via your own limited company. Figures assume 220 chargeable days a year, the standard 46-week umbrella model and a £12,570 salary under LTD. Computed live from the same verified tax engine that powers the take-home calculator — never typed in by hand.
| Umbrella | Limited company | |
|---|---|---|
| Gross assignment (220 days) | £66,000 | £66,000 |
| Annual take-home | £42,863 | £44,221 |
| Monthly take-home | £3,572 | £3,685 |
| Effective take-home rate | 65% | 67% |
How the £300 rate breaks down
Umbrella route: income tax £9,712, employee NI £3,125, employer NI £9,150 and the umbrella margin come off the top before your take-home. LTD route: corporation tax £13,058 on profits, dividend tax £6,386, plus salary £12,570 and accountancy costs.
Is £300 a good day rate?
Check tonight's live percentiles for your role: project manager · business analyst · software engineer · all roles. At £300 you're comparing against the entry quartile of most professional categories.
Illustration only — assumptions and the full methodology are on the 2026/27 tax page. Not tax advice; verify at gov.uk.
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