Nothing But Net

Using 2026/27 tax rates

What do you need in your account?

Director salary assumption

We assume a fixed £12,570 annual salary, with the remaining required income taken as dividends. This salary is within the standard Personal Allowance and is below the employee National Insurance threshold. Employer National Insurance and Corporation Tax are modelled separately at company level.

Student loan Also repaying a Postgraduate Loan

Pension contributions

Personal pension contributions (% of profit)

Rough estimate — assumes it comes straight off your taxable profit. Your provider still adds basic-rate relief on top of what you pay in.

I've got other income too (another job, rental, a pension...)

Your net target

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Tap “Shoot my shot” to calculate

Your shot · Gross salary

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Where it goes