UK · 2026/27 rates · runs in your browser

Retirement planning that starts from company profit.

Most UK planners assume a payslip. This one works out salary vs dividends on 2026/27 rates, then follows the money through pension, ISA and the sale of your company to the age you stop.

See a director's planNHS pay plus a practice company See a household plantwo earners, two children Start with your own numbersabout 2 minutes
Paying Alex this year
NHS sessions, PAYE£32,000
Salary from the company£79,350
Dividends£40,498
Against a £12,570 salary+£4,006 / yr

The best split on this year's rates, with the company's Employment Allowance set against the salary. Without the NHS pay it would be a £12,570 salary.

What Alex owns today
Pension£210,000
ISA£85,000
Property£550,000
Mortgage−£240,000
Net worth£605,000

The £60,000 the company holds is left out. Cash kept in a company isn't modelled.

At 58, in today's money
about £1.9m

About £2.7m before inflation: £605,000 today, plus what Alex adds over 14 years, plus growth on both.

What gets Alex thereat 58, before inflation
£605k todaywhat Alex addsgrowth on both
What Alex has today 23% What Alex adds 38% Growth on both 39%
if you run a company Salary vs dividend on HMRC's stacking order, what a company pension contribution costs in take-home, and Business Asset Disposal Relief when you sell. Plus RSUs, options and EMI.
quick estimate Your balances and what goes in each month. A real projection in about two minutes.
detailed plan Net worth by wrapper, a milestone timeline, allocation and glidepath, drawdown, and tax on the way out.

Everything that's built, line by line →

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