Compare PEO v Umbrella

How much could your business save by converting from Umbrella to PEO? Will you use that saving to improve your gross margins or as a lure to better attract contractors?

Use the tool to find your sweet spot. Simply complete the fields in the left hand panel to calculate the savings on the right side panel.

Top tip: use the slider to find the right combination of margin improvement & contractor net pay.

Assignment Rate
Umbrella rate including holiday:
Is the rate hourly or daily:	Daily       Hourly
How many per week:
Weeks worked per annum:
Umbrella
Umbrella margin per week:
Contractor Numbers
How many are paid per week?
I can reclaim my VAT from HMRC

Contractor's Taxable Wages	Umbrella	PEO
Taxable rate per inc holiday	£0.00	£0.00
Taxable rate per week inc holiday	£0.00	£0.00
Weekly cost	£0.00	£0.00
VAT (Joint-Employment)	£0.00	£0.00
Best Product		PEO
Max agency saving per contractor per week
Cashflow saving per contractor per week
Total weekly agency saving with contractors
Total weekly cashflow saving with contractors

Percentage of saving to give back to the contractor

Weekly saving:

Weekly cashflow saving:

Contractor weekly take-home:

Contractor weekly saving:

Umbrella

£0.00

£0.00

£0.00

PEO

Old Rate

New Rate

Please note, standard 2020/2021 tax code used for contractor take-home tax calculations. All limits, percentages and thresholds are correct for 2020/2021