Most salary/dividend calculators use a fixed rule of thumb, and most assume this company is your only income. This one accounts for other earnings and investments, checks your pension allowance isn't already tapered, and finds the actual most tax-efficient split under current 2026/27 rates — not a generic answer.
Your Business
Please enter a numeric value
Please enter a numeric value
Please enter a numeric value
Your Wider Personal Position
Earned/rental income and dividend/investment income are taxed in a different order — this affects which band your split actually falls into, and how much of it is realistic.
Optional: Model a Pension Contribution
We'll also check whether your annual allowance is likely to be tapered at your income level before suggesting this.
Your Structure & Tax Efficiency Picture
Potential Annual Saving
£0
By restructuring how you take money out of the business
Current Total Tax & NI
£0
salary / dividends
Optimised Total Tax & NI
£0
salary / dividends
Suggested Split
£0 / £0
salary / dividends
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Pension Contribution Modelled
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Where The Difference Comes From
Cost
Current
Optimised
Based on 2026/27 UK tax year rates (dividend tax rose to 10.75% / 35.75% / 39.35% from April 2026). Assumes standard (non-Scottish) tax bands and full availability of the Employment Allowance where applicable. Figures are indicative only and do not constitute tax advice.
Turn This Into a Real Plan
This tool optimises the salary/dividend split for one year in isolation. A P10 adviser can go further — factoring in family/spouse shareholdings, carried-forward pension allowance, timing dividends across tax years, and whether your company structure itself is still working as hard as it should be.
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Thank you — a P10 Accountancy adviser will be in touch shortly to go through this in full.
This calculator provides an indicative estimate for illustration purposes only, based on the figures you enter and current 2026/27 HMRC rates and thresholds. It does not account for prior-year losses, allowances or reliefs beyond those stated, unused pension allowance carried forward from previous years, or Scottish income tax rates, and the pension figure does not reflect tax due on eventual withdrawal. It is not a substitute for personalised tax advice — actual optimal structuring depends on your full circumstances. Speak to a P10 adviser before making any changes.