Workwell Accountancy
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2025/26 Tax Year

Take-Home Pay
Estimator

Find out what you'd actually keep as a sole trader versus a limited company director, set side by side on the 2025/26 UK tax rates.

Covers income tax, National Insurance, corporation tax and dividend tax

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Figures are based on 2025/26 rates. For the limited company route we assume the efficient £12,570 director salary, with whatever profit is left drawn as dividends. Use it as a guide and check the detail with your accountant.
A limited company could leave you £589 better off each year
Worked out from the numbers you entered, on 2025/26 tax rates
Sole Trader
Self-employed
Gross Income£60,000
Expenses− £5,000
Taxable Profit£55,000
Income Tax− £9,432
Class 2 NI− £179
Class 4 NI− £2,357
Total Tax & NI− £11,968
Take Home£43,032
Effective tax rate: 21.8%
Limited Company
Optimal salary + dividends
Company Revenue£55,000
Director Salary− £12,570
Employer NI− £479
Company Profit£41,951
Corporation Tax− £7,971
Dividends Available£33,980
Dividend Tax− £2,930
Employee NI− £0
Take Home£43,621
Effective tax rate: 20.7%
Ready for a plan built around your numbers?

Your own Workwell Accountancy accountant will go through your real figures, bring your expenses and pension contributions into the picture, and structure how you draw income so you keep as much as possible.

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Smart Tax Planning

Where Your Take-Home Can Grow

Think of the calculator as your starting point — the right accountant moves it further.

Claim Every Cost You're Owed

Plenty of businesses leave money on the table by under-claiming. Equipment, software, travel, a home office, training, your phone — your accountant makes sure every legitimate cost goes in.

The Right Salary and Dividend Mix

How a director splits pay between salary and dividends has a real effect on the tax due. We work out the most efficient balance for the income level you're at.

Putting Money Into a Pension

Company pension contributions count as a tax-free business cost. Paying in through the company trims your corporation tax and steers clear of NI — which can add up to thousands saved.

Your numbers, optimised

Keep more of what you earn.

A Workwell Accountancy accountant of your own will shape a tax plan around your real income, your costs and where you're heading. From £42.50/month.

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