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

Client says:

“The business is doing well, I want to draw more, but what’s the impact?”

Use when:

Clients are profitable and want to increase drawings while staying strategic.

Key features:

Scenario Planner, Salary vs Dividend Tool, Corporation Tax Band Awareness

Client says:

“I didn’t realise going £1 over meant I lost the Marriage Allowance.”

Use when:

Reviewing thresholds, planning year-end drawings, or spotting tight margins.

Key features:

Threshold Tracker, Scenario Planner, Live Adjustments

Client says:

Oh, I didn’t realise that would trigger a student loan repayment.”

Use when:

Clients forget to mention their loan, or it’s missed until filing.

Key features:

Student Loan Flag, Profile Updates, Live Impact Display

Client says:

“I just started receiving my pension—do I need to do anything?”

Use when:

Clients reach pension age, start drawing the State Pension, or have new retirement income.

Key features:

Multi-Income Handling, Scenario Planner, Tax Impact Visuals

Client says:

“I’m planning to donate £1,000 to charity—will that change anything?”

Use when:

Clients want to give under Gift Aid and understand the tax benefits.

Key features:

Gift Aid Adjustment, Rate Band Extension, Tax Comparison