LimitedCompanyTaxCalculator
Updated for 2026/27

Director take-home pay calculator 2026/27

After salary tax, National Insurance and dividend tax, how much do you personally keep? Enter company profit, salary and dividends to see your net annual take-home.

Updated for 2026/27. Uses UK corporation tax, dividend tax and PAYE assumptions. Estimates only — not tax advice.

Calculate company tax Read the guides
Personal take-homeSalary and dividendsAll taxes includedEffective rate
2026/27 tax year Company profit to personal take-home Salary plus dividends Retained cash shown

Limited company tax calculator

Company tax estimate

Adjust inputs below — results update instantly.

Tax year 2026/27
How do you want to enter company income?
£

Enter profit before director salary, pension contributions and corporation tax.

£

Annual profit used in calculations = monthly profit × 12.

£
£
Expenses exceed estimated turnover — check your inputs.
£
£
Expenses exceed estimated turnover — check your inputs.
£
£

Amount you plan to withdraw from available post-tax company profit.

Selected dividends exceed available post-tax company profit.
£
£
£47,874 personal take-home / year £3,989/mo
Personal take-home is based on salary and dividends withdrawn. Post-tax profit not withdrawn is retained company cash.
Monthly net
£3,989
Total tax
£18,325
Effective rate
24.4%
Personal take-home£47,874
Dividend tax£4,696
Employer NI£1,136
Corporation tax£12,493
Company pension£0
Retained company cash£8,801
Show detailed breakdown ▼
Director salary£12,570.00
Employer National Insurance£1,135.50
Corporation tax£12,493.04
Salary income tax£0.00
Employee National Insurance£0.00
Dividend tax£4,696.25
Retained company cash£8,801.46
Personal take-home£47,873.75
Effective tax rate24.43%
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Quick answer

Calculate a company director's net take-home pay 2026/27. Salary plus dividends minus income tax, NI and dividend tax. See your actual personal income after all taxes.

Updated for 2026/27. Written and reviewed by James Whitfield against current GOV.UK and HMRC guidance · Editorial standards · Methodology. Estimates for planning only — not tax, accounting or financial advice.

Figures reviewed for the 2026/27 tax year (last updated July 2026). Source: GOV.UK.

About this calculator

Director take-home pay calculator 2026/27: what it covers

This calculator follows the full journey from company profit to the money that actually reaches your bank account. It starts with your trading profit, deducts corporation tax, then splits what remains between a salary and dividends before applying your personal income tax, National Insurance and dividend tax. What is left is your genuine take-home.

The common approach is a salary of £12,570, which uses your full Personal Allowance, with the rest drawn as dividends. Corporation tax is charged at 19% on profits up to £50,000, 25% above £250,000, and an effective 26.5% marginal rate in between. Dividends then come from the post-tax profit and are taxed personally at 10.75%, 35.75% or 39.35% depending on your total income, after the £500 dividend allowance.

The salary-plus-dividends mix is popular because a £12,570 salary avoids employee National Insurance and income tax on the salary itself while remaining a deductible company cost. Viewing the result as a monthly figure, rather than annual, often makes it easier to see what you can realistically draw each month.

Common questions

Director take-home pay calculator 2026/27 — FAQs

Why is a £12,570 salary combined with dividends so common?
A £12,570 salary matches the Personal Allowance, so no income tax is due on it, and it stays below the £12,570 primary threshold for employee National Insurance. The salary is also a deductible cost for the company. The remaining profit is then drawn as dividends, which carry no National Insurance and are taxed at lower rates than salary.
How does corporation tax affect my take-home?
Dividends can only be paid from profit after corporation tax, so the company tax bill directly reduces what is available to distribute. Profits up to £50,000 are taxed at 19%, above £250,000 at 25%, and between those thresholds at an effective 26.5% marginal rate. Your salary, being a deductible expense, reduces the profit that corporation tax is charged on.
What deductions reduce a director's take-home?
On the salary side you may face employee National Insurance at 8% between £12,570 and £50,270 (then 2%) and income tax if the salary exceeds the Personal Allowance. On the dividend side, dividends above the £500 allowance are taxed at 10.75%, 35.75% or 39.35%. Corporation tax is applied at company level before any dividends are paid.
Should I look at monthly or annual take-home?
Both are useful. The annual figure shows your total position for the tax year and matches how tax bands and allowances work, while a monthly figure helps with budgeting and cash flow. Remember that dividend tax is usually paid in a lump sum through Self Assessment, so setting money aside monthly avoids a surprise in January.
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Getting set up

Business bank accounts

A limited company must keep its finances separate from personal accounts. These accounts are free to open.

Starling Business
Permanently free, no monthly fee. A fully licensed UK bank - deposits up to £85,000 are FSCS protected. Accepts limited companies and sole traders. 0.7% on Post Office cash deposits.
Open an account →
Tide
Free to open. Built-in invoicing and expense tracking. 20p per outgoing transfer on the free tier (Tide Plus is £9.99/month). Funds are safeguarded as e-money, not FSCS protected. Usually has a new-account offer.
Open an account →
Mettle by NatWest
Free. Single-director limited companies only (max two owners, one account user). Includes FreeAgent bookkeeping at no extra cost. Funds are safeguarded as e-money, not FSCS protected. No cash deposits.
Open an account →
Registering at Companies House

Companies House now charges £100 to register a limited company online (up from £50 in February 2026). Same-day digital registration is £156. You can register directly at gov.uk or through a formation agent.