Retirement planning that starts from company profit.

Most UK planners assume a payslip. This one works out salary vs dividends on 2026/27 rates, then follows the money through pension, ISA and the sale of your company to the age you stop.

See a director's planNHS pay plus a practice company See a contractor's plana one-person company, no staff See a household plantwo earners, two children Start with your own numbersabout 2 minutes
Paying Alex this year
NHS sessions, PAYE£32,000
Salary from the company£79,350
Dividends£40,498
Against a £12,570 salary+£5,129 a year

The best split on this year's rates, with the company's Employment Allowance set against the salary. Without the NHS pay it would be a £12,570 salary.

What Alex owns today
Pension£210,000
ISA£85,000
Property£550,000
Mortgage−£240,000
Net worth£605,000

The £60,000 the company holds is left out. Cash kept in a company isn't modelled.

At 58, in today's money
about £1.9m

About £2.7m before inflation: £605,000 today, plus what Alex adds over 14 years, plus growth on both.

What gets Alex thereAt 58, before inflation
£605k todayWhat Alex addsGrowth on both
What Alex has today 23% What Alex adds 38% Growth on both 39%
If you run a company Salary vs dividend on HMRC's stacking order, what a company pension contribution costs in take-home, and Business Asset Disposal Relief when you sell. Plus RSUs, options and EMI.
Quick estimate Your balances and what goes in each month. A real projection in about two minutes.
Detailed plan Net worth by wrapper, a milestone timeline, allocation and glidepath, drawdown, and tax on the way out.

Every figure is typed in by hand. Nothing connects to your accounts and there is no account to make. Your figures never leave your browser. The site counts page views and which sections get used, and stores your email only if you ask for updates. What's collected. Open the director example.