Optimize Your Director Salary & Dividends (2026/27)
Whether you're running your own limited company or advising clients, maximize take-home income while minimizing tax liability. Our intelligent optimizer considers all aspects of UK tax law including National Insurance, Student Loans, Gift Aid Relief, Savings Interest, and Child Benefit Charges.
Why This Calculator?
Smart Tax Stacking
Correctly orders Salary, Savings, and Dividends to maximize your Basic Rate band.
Relief at Source
See how Personal Pensions and Gift Aid reduce your tax bill by extending tax bands.
Marginal Relief
Automatically handles the 19-25% Corporation Tax marginal relief trap.
Family View
Optimizes across both Director and Spouse to utilize unused allowances.
Intelligent Optimization
Automatically calculates the optimal salary and dividend split based on your business profit, shareholdings, and family structure.
Scenario Comparison
Save and compare multiple scenarios side-by-side. See how different business structures and income levels affect your tax position.
Family Optimization
Factor in spouse shareholdings, income splitting, and multiple directors to find the most tax-efficient family structure.
Comprehensive Tax Calculations
Income Tax & National Insurance
Accurate calculations for all UK tax bands and NI contributions
Student Loan Repayments
Support for Plan 1, 2, 4, and Postgraduate loan calculations
Dividend Tax Optimization
Smart dividend allocation across tax-free allowance and rate bands
Employment Allowance
Automatically factors in eligibility and optimization
Corporation Tax
Includes corporation tax liability in total cost analysis
Multiple Directors
Optimize salary distribution across family director roles
Secure, Multi-Tenant Platform
Perfect for individual business owners, accountancy firms, and tax advisors. Manage your own tax planning or serve multiple clients with isolated data, role-based access control, and team collaboration features.