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