For workers · PAYE · Agency · Umbrella
Every payslip.
Explained. Live.
Umbrella companies don't explain the £86 they take. Clok does — every deduction, every code, every quid, updated as you work. See exactly what should land in your bank on Friday.
3 free seats · Cancel anytime · UK-tax built-in
Agency nurse · Umbrella
Tax code S1257L · Plan 5 + PGL
Aug 2026
Monthly
Payments
Umbrella deductions
Deductions
What actually lands
in your bank on payday
£2,405.37
The moat · what generic trackers miss
Every UK deduction.
Handled properly.
Global time trackers show hours. Clok models the actual mess of UK PAYE — the codes, the umbrella cuts, the loans — and shows you what lands.
Every tax code
1257L · BR · D0 · K · NT · W1
Full UK tax-code parser including Scottish (S) 5-band, Welsh (C), emergency codes, K codes (negative allowance). Change your code, every past period recalculates instantly.
Umbrella mode
Margin + Levy + Employer NI
Contract rate → −Umbrella margin → −Apprenticeship Levy (0.5%) → −Employer's NI (15%) → Your assignment rate. Then normal PAYE. Add your umbrella's name and the payslip PDF reads authentically.
Rolled-up holiday
12.07% on every hour
Agency and umbrella workers get holiday pay per shift, not per booked day. Clok tracks the pot so you can set it aside for time off — nobody else attempts this.
Student loans
Plans 1 / 2 / 4 / 5 + PGL
HMRC-accurate. 9% above each plan's threshold; 6% PGL on £21k+. Auto-picks the lowest-threshold plan if you have more than one.
Split allowance
Two jobs? Two tax codes.
Mark a workspace as secondary employment. Clok forces BR (or SBR/CBR) — matching HMRC. Your personal allowance stays on your main job where it belongs.
Payslip export
One-tap UK payslip PDF
Every deduction on a proper A4 payslip. Reconcile against your umbrella payslip in seconds — spot the missing tenner your umbrella "forgot".
Your work, at a glance
One dashboard.
Everything that matters.
Stop digging through menus. Pay period, take-home, umbrella deductions, holiday balance, and next payday — all front and centre the moment you open the app.
- Pay period progress + take-home countdown
- Umbrella deductions broken out line by line
- Rolled-up holiday pot tracked separately
- Next payday · days remaining · what to expect
Real screenshot
Take-home, umbrella deductions, next payday — all one screen.
Everything you need to get paid right.
One-tap clock in / out
Auto-deducted breaks, overtime detection at 40h/week, geofenced sites — all calculated server-side.
UK Tax & NI calculated
Live take-home estimate using current Income Tax bands + NI thresholds. Auto-updates yearly.
Holiday tracking
Fixed-allowance or 12.07% accrual. Sick, holiday, PTO, and unpaid leave — all visible on your calendar.
Payslip PDF export
A4 payslip PDF with every deduction laid out. Perfect for mortgage brokers and letting agents.
UK GDPR safe
UK/EU hosted, encrypted at rest. Password reset via signed email links, DMARC-protected sender.
Works offline
Install to your home screen. Clock in with no signal; entries sync when you reconnect.
Straight answers
Common questions from workers.
Stop guessing your take-home.
Set up in 30 seconds. No card required for the free plan. Cancel anytime.
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