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Know where you stand before the meeting

Seven working tools, built on 2026/27 UK tax rules and current HMRC guidance. Each one ends with a soft nudge to book a proper review.

Take-Home Pay Calculator

2026/27 tax year
£
Employed income before tax and National Insurance (Mid-Ulster / rest-of-UK rates).
£

Assumes standard tax code 1257L and rest-of-UK Income Tax bands (Northern Ireland). Scotland uses different bands. No other income or benefits in kind.

Estimated Net Pay (Annual)£28,720
Gross salary£35,000
Income Tax£4,486
Employee National Insurance£1,794
Monthly net pay£2,393
Employer NI (company cost)£0
Indicative only, not formal advice. 2026/27: PA £12,570 (tapered above £100,000), Income Tax 20/40/45%, employee NI 8%/2%, employer NI 15% above £5,000. Student loan thresholds are plan-based estimates.

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Salary vs Dividend Calculator

2026/27 tax year
Profit mode compares all-salary vs salary + dividend extraction. Personal mode mirrors director salary/dividend tax calculators.
£
Pre-tax company profit you want to take out this year, as director/shareholder.
£
Defaults to £12,570 (often the most tax-efficient director salary).

England, Wales & Northern Ireland rates. Single-director company assumed - Employment Allowance excluded. Dividend rates 10.75% / 35.75% / 39.35%.

Route A - All Salary
£41,197
Route B - Salary + Dividend
£46,091
More Tax-Efficient
Route A - employer NI£7,174
Route A - income tax + employee NI£11,630
Route B - employer NI on salary£0
Route B - corporation tax£8,796
Route B - dividend available£0
Route B - dividend tax (2026/27)£3,977
Extra dividend tax vs 2025/26 rates£0
Indicative only, not formal advice. Employer NI 15% above £5,000; dividend allowance £500; Corporation Tax 19%–25% with marginal relief. YoY line shows the April 2026 2p dividend rate rise impact only.

The right split depends on your full picture - let's work it out properly.

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Sole Trader vs Limited Company

2026/27 tax year
£
Profit before any personal tax - same figure compared under each structure.

Ltd co. structure assumes a £12,570 director's salary then dividends for the rest, single director, no other employees. Ignores accountancy/admin cost differences between structures - a real conversation covers those too.

Sole Trader - Net Income
£36,568
More Tax-Efficient
Limited Company - Net Income
£35,247
Sole trader - Income Tax + Class 4 NI£8,432
Ltd co - Corporation Tax£5,946
Ltd co - personal tax on salary + dividend£2,671
Indicative only, not formal advice. Structure decisions should always factor in admin cost, long-term plans and personal circumstances, not tax alone.

Thinking about switching structure? Let's model your real numbers.

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VAT Calculator

2026/27 tax year
£
Enter either the net amount or the gross amount, depending on what you select below.

Current VAT registration threshold is £90,000 of taxable turnover in any rolling 12-month period.

Gross Amount (incl. VAT)£1,200
Net amount£1,000
VAT£200
Indicative only, not formal advice. Standard UK VAT rate is 20%; some goods and services qualify for the 5% reduced rate or 0% zero rate - get this checked before it goes anywhere near a return.

Not sure which rate applies to what you sell?

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Corporation Tax Estimator

2026/27 tax year
£
Profit after allowable expenses, before Corporation Tax.

Assumes one company with no associated companies. Small profits rate applies up to £50,000, main rate from £250,000, with marginal relief tapering in between.

Estimated Corporation Tax£17,450
Rate bandMarginal relief
Effective rate21.8%
Profit after tax£62,550
Indicative only, not formal advice. 2026/27 rates: 19% small profits rate to £50,000, 25% main rate from £250,000, marginal relief in between. Reliefs, allowances and associated companies can change the real figure.

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Making Tax Digital Readiness Checker

2026/27 tax year
Your MTD StatusNot mandatory yet

Based on your answers, Making Tax Digital doesn't apply to you yet - but the income thresholds are dropping, so it's worth getting ahead of it.

Indicative only, not formal advice. MTD for VAT already applies to all VAT-registered businesses. MTD for Income Tax is mandatory from April 2026 for income over £50,000, expanding to income over £30,000 from April 2027.

Want a hand getting properly set up for Making Tax Digital?

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Self-Assessment Deadline Countdown

Live

This one doesn't need any inputs - it counts down from today automatically to whichever Self Assessment deadline is coming up next.

Covers the three recurring Self Assessment dates: the 31 January filing and balancing payment deadline, the 31 July second payment on account, and the 5 October deadline to register if you're new to Self Assessment.

Next deadline— days
Date—
Indicative only, not formal advice. Not everyone owes a payment on account or needs to register - your actual deadlines depend on your circumstances.

Ready to get your return sorted properly, in plenty of time?

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A great starting point - let's make it official

These tools give you a fast, useful read on the numbers. Book a proper review and we'll tailor it exactly to your business.

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