Clever Accounts
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Contracting Awards2023, 2024, 2025
2025/26 Tax Year

Take Home Pay
Calculator

See your estimated take-home pay as a sole trader vs a limited company director. Compare side-by-side using 2025/26 UK tax rates.

Includes income tax, National Insurance, corporation tax & dividend tax

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Calculations use 2025/26 rates. Limited company assumes optimal director salary of £12,570 with remaining profit taken as dividends. This is for guidance only — speak to your accountant for personalised advice.
You could take home £589 more per year as a limited company
Based on the figures entered above using 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%
Want a personalised tax plan?

Your dedicated Clever Accounts accountant will review your actual figures, factor in expenses, pension contributions, and help you structure your income for maximum take-home.

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Tax Planning

What Can Improve Your Take-Home

The calculator gives you a baseline — a good accountant can improve on it.

Claim All Allowable Expenses

Most businesses underclaim on expenses. Equipment, software, travel, home office, professional development, phone — your accountant ensures you claim everything legitimately.

Optimal Salary/Dividend Split

For limited company directors, the split between salary and dividends significantly affects your tax. We model the optimal structure for your specific income level.

Pension Contributions

Employer pension contributions are a tax-free company expense. Contributing through the company reduces corporation tax and doesn't attract NI — potentially saving thousands.

Stop leaving money on the table.

A dedicated Clever Accounts accountant will build a personalised tax plan around your actual income, expenses, and goals. From £42.50/month.

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