Umbrella vs Limited Company - Which Has More Take-Home Pay?

16th November 2025

Umbrella vs Limited Company — the choice UK contractors make without realising it can cost them up to £10,000 a year.

In this video, we break down the 2025/26 numbers and show how tax, National Insurance, IR35, and even your payslip structure change your real take-home pay.

Whether you're contracting through an umbrella, running a limited company, or wondering if there’s a smarter third option, this episode gives you the clarity HMRC won’t.