Visual calculators built for people who are brilliant at their job — and don't need a spreadsheet between them and doing it.
Enter the charge rate and pay rate — see your margin in £ per day, per week, and across the full contract instantly.
The day rate you bill the client, and the day rate you pay your contractor.
Days per week and contract length. Typical contracts run 3–6 months.
Daily margin, weekly margin, and total contract value — updated live as you type.
Calculate your placement fee from a salary and percentage, with split-fee and rebate-net figures included.
The agreed annual salary the candidate will receive in their new role.
Typically 12–20% for permanent roles. Senior or specialist roles often command higher.
If splitting with another consultant or desk, enter the outgoing %. Rebate periods reduce the figure you keep if the candidate leaves early.
Convert an annual salary to a contractor day rate — and back again. Includes uplift for holiday, pension and NI the contractor must now fund themselves.
Salary ÷ 230 working days. Doesn't account for benefits a PAYE employee receives automatically.
Holiday pay, employer pension contributions, sick pay, equipment — a contractor funds these from their rate.
+15–25% uplift gives a like-for-like comparison. Use this when advising candidates moving from PAYE to contract.
For PAYE contractors working through an agency — calculate the statutory holiday pay accruing on their assignments under UK Working Time Regulations.
UK workers are entitled to 28 days paid leave per year under the Working Time Regulations 1998.
For variable-hours workers, 12.07% of all pay earned is the equivalent of 28 days' holiday. Simple and auditable.
Rolled up adds 12.07% to each payment. Accrued builds a pot paid out when holiday is taken or contract ends.
If a permanent candidate leaves within your rebate period, how much do you owe back? Calculate the sliding-scale rebate on any placement fee.
If the candidate leaves in the first quarter of the rebate period, typically 100% of the fee is returned.
The longer they stay, the less you owe. Common structures drop to 50%, then 25% as the weeks pass.
Many terms offer a replacement candidate rather than cash back — factor this into your client conversation early.
Estimate a contractor's net take-home pay through an umbrella company, after Income Tax, Employee & Employer NI, and umbrella margin.
The umbrella deducts Employer NI (13.8%) from the assignment rate before the contractor sees a penny.
Usually £15–30/week. Some companies hide this — transparency here builds trust with your contractors.
Income Tax and Employee NI apply to whatever's left. The result is the contractor's actual take-home.
Every calculator on Spentiq asks for as little as possible and gives back exactly what you need. The maths is our problem, not yours.
Each toolkit starts with someone who actually does the job. The formulas are verified, the language is right, and the edge cases are covered.
The core calculators will never go behind a paywall. We're building something that earns trust first — everything else follows from that.