Agency Worker Pay Calculator
Calculate take-home pay as an agency worker. See what you actually earn after agency margin and deductions.
Last updated: April 2026 · Source: GOV.UK — Agency workers: your rights
Annual Take-Home
£20,886.00
£435.13/week · Effective: £11.60/hr
| Client pays (charge rate) | £32,400.00 |
| Agency margin (20%) | -£6,480.00 |
| Your Gross Pay | £25,920.00 |
| Income Tax | -£2,670.00 |
| NI | -£1,068.00 |
| Pension (5%) | -£1,296.00 |
| Take-Home | £20,886.00 |
After 12 weeks in the same role, you have the right to equal pay and conditions as permanent staff (Agency Workers Regulations 2010).
Disclaimer
This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.
How It Works
Agency workers in the UK have specific rights under the Agency Workers Regulations 2010. From day one, agency workers are entitled to access shared facilities and information about permanent vacancies. After completing a 12-week qualifying period in the same role with the same hirer, they gain the right to equal pay and conditions as if directly recruited.
Equal treatment after 12 weeks covers basic pay, overtime rates, holiday entitlement, rest periods, night work limits and access to collective facilities. It does not cover occupational sick pay, pension schemes, redundancy pay or maternity leave beyond the statutory minimum. Anti-avoidance rules prevent hirers from resetting the 12-week clock.
This calculator estimates your pay and entitlements based on whether you have completed the qualifying period. Enter your hourly rate, agency margin and weekly hours to see your take-home pay. After 12 weeks, it shows what your pay should be if equivalent permanent employees earn more.
Example: Agency worker, 38 hours/week, £13.50/hour
- Weekly gross: 38 × £13.50 = £513
- Annual gross: £513 × 52 = £26,676
- Holiday entitlement: 5.6 weeks = £2,872.80
- After 12 weeks: comparable permanent role pays £14.50/hour
- New weekly gross: 38 × £14.50 = £551 (uplift of £38/week)
Frequently Asked Questions
- What does the Agency Worker Pay Calculator do?
- Calculate take-home pay as an agency worker. See what you actually earn after agency margin and deductions. All calculations are performed in your browser using official UK rates and thresholds.
- Is this calculator based on 2025/26 rates?
- Yes. This calculator uses the current 2025/26 UK tax year rates for income tax, National Insurance and other deductions, effective from 6 April 2025.
- Does this include pension contributions?
- This calculator can factor in workplace pension contributions. Under auto-enrolment, the minimum is 8% total (5% employee + 3% employer) of qualifying earnings.