£650 a day: take-home pay 2026/27
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What a £650 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) | £143,000 | £143,000 |
| Annual take-home | £78,709 | £82,480 |
| Monthly take-home | £6,559 | £6,873 |
| Effective take-home rate | 55% | 58% |
How the £650 rate breaks down
Umbrella route: income tax £38,007, employee NI £4,434, employer NI £20,700 and the umbrella margin come off the top before your take-home. LTD route: corporation tax £32,308 on profits, dividend tax £25,877, plus salary £12,570 and accountancy costs.
Is £650 a good day rate?
Check tonight's live percentiles for your role: project manager · business analyst · software engineer · all roles. At £650 you're comparing against the upper-middle 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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