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Unsure about the way to go? At Simplyco we'll help to make your life less complicated by suggesting the right way of working for you.

The most common options are umbrella company and limited company.... Here's a quick summary of both....


Umbrella Company

Simplyco Umbrella is a great alternative to being paid directly by a client or agency and provides benefits such as:

  • Making sure you are fully safe and compliant
  • Maintaining all of your statutory rights that go with being PAYE
  • Allowing you to claim any genuine business expenses you incur, which will improve your take home pay
  • Granting you "employed" status

You send us your timesheets and expenses. We calculate your wages, add your expenses, then pay you directly into your bank account.

And the best thing about Simplyco Umbrella? If you're not sure whether contracting or freelancing is right for you, it's a good way of testing the waters while you decide.

It's also a good option if you're on a shorter term contract (typically 6 to 12 months) with a minimum rate of £9.50 per hour to make it worthwhile.

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Limited Company

If you tend to work on highly paid longer-term projects, you're often better off setting up your own Limited Company. The benefits of this are:

  • Huge savings on income tax
  • Huge savings on national insurance
  • Limited liability as your company is classed as a separate entity

If you're new to contracting or freelancing, no doubt this will look a little daunting. But don't worry, We're here to take the hassle away.

From helping you form your company to handling all of the accountancy and filing, we are here to make life less complicated.

Read more


It’s important that everyone pays the right amount of tax and works in the most compliant way possible. Use our online calculator and one of our specialist contractor accountants will help show how different models will affect your income. [contact-form-7 id="4660" title="Calculate-PPC"]

Please note that if you are an umbrella worker you’re hourly rate needs to be at least £9.80 for our service to be a viable option.

Please fill in the required fields and a member of the Simplyco team will calculate how different payment models will affect your income. They will contact you within 24 hours.**

Please note not all options are not suitable for everyone and will be dependent on your personal circumstances. A member of the team will discuss this with you in more detail.

We are more than just accountants and we focus on more than just numbers. We fully comply with all the relevant legislation and have legal support from retained Solicitors and trade bodies (REC and APSCo) which means we make sure everyone pays exactly the right amount of tax.

**If you submit a request during weekends and bank holidays the Simplyco team will respond as soon as possible.

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  •  Umbrella Limited company Agency Direct (PAYE)

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