Explore practical personal tax planning scenarios

Client says:

"I want to take £65k—what’s the best mix of salary and dividends?"

Use when:

View Scenario

Key features:

Salary vs Dividend Split, Scenario Planner

Client says:

"I followed your advice for 5 years, but can’t get a mortgage. Why not?"

Use when:

Reviewing long-term plans, setting new goals, and onboarding new clients.

Key features:

Goals Tool, Scenario Planner

Client says:

"I’ve hit £85k turnover. Should I go limited?"

Use when:

Clients are growing, hitting VAT thresholds, or planning future sales.

Key features:

Sole trader vs Ltd Company Comparison

Client says:

"Is it OK to take a £20k dividend?"

Use when:

Clients want to extract cash, planning around higher rate tax, or plan quarterly draws.

Key features:

Rate Band Checks, Income Timing

Client says:

"I’m earning £100k and planned it perfectly—right?"

Use when:

Planning year-end tax, avoiding clawbacks, optimising thresholds.

Key features:

Personal Allowance Tracker, Student Loans, Child Benefit, P11D

Client says:

"I'm about to start renting out amy property—it should bring in around £15k."

Use when:

Clients are taking on a second income stream during the year.

Key features:

Scenario Planner, Multi-Income Impact, Payments on Account

Client says:

"I want to build value over the next few years so I can sell for the best price."

Use when:

Clients mention business sale goals, retained earnings, or future planning.

Key features:

Goals Tool, Scenario Planner, Take-Home vs Business Value Trade-off

Client says:

"I made £700 from a store last year—this year it's looking more like £13k."

Use when:

Clients mention secondary income streams or year-on-year growth.

Key features:

Scenario Planner, Threshold Tracking, Multi-Year Comparison

Client says:

"The business is doing well—I'm thinking about raising dividends and adding a pension."

Use when:

Clients are reviewing remuneration, company profits, or planning contributions.

Key features:

Scenario Planner, Salary vs Dividend Tool, Personal vs Company Pension Comparison