A&Y Profit Extractor — Salary vs Dividend

About

Stop overpaying tax. The A&Y Profit Extractor shows UK Limited Company directors exactly how much income tax, National Insurance and Corporation Tax they're leaking by taking salary alone — and how much they'd keep with an optimised salary + dividend mix.

Built by A&Y Financials, UK chartered tax accountants.

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WHAT IT DOES
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• Enter your company net profit and your desired personal take-home
• Instantly see two side-by-side scenarios:
   1. Standard PAYE — salary only (the "leaking" route)
   2. A&Y Optimized — £9,100 director salary + dividends
• See the exact Total Tax Saved per year, in real time
• View what's left inside the company under each route

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2025/26 UK TAX RATES BUILT IN
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• Income Tax: 20% / 40% / 45% bands with personal allowance taper
• Employee NI: 8% main / 2% upper
• Employer NI: 15% above £5,000 secondary threshold
• Dividend Tax: 8.75% / 33.75% / 39.35% with £500 allowance
• Corporation Tax: 25% main rate
• £9,100 director salary (NI-free secondary threshold)

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WHY DIRECTORS LOVE IT
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✓ One click from your browser — no logins, no signup
✓ Real-time sliders — change inputs, see tax change instantly
✓ 100% private — all calculations run in your browser
✓ No tracking, no ads, no data collection
✓ Lightweight (~22 KB)

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PERFECT FOR
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• Limited Company directors planning their year-end extraction
• Contractors and consultants comparing pay structures
• Founders modelling dividend strategies
• Accountants doing quick client conversations

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ABOUT A&Y FINANCIALS
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A&Y Financials is a UK accounting firm specialising in tax-efficient structures for limited company directors, landlords and freelancers. We help business owners keep more of what they earn — legally.

Need a Director's Tax Review? Visit ayfinancials.com/contact

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DISCLAIMER
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Estimate only. Based on 2025/26 UK rates (England, Wales & Northern Ireland). Assumes no other personal income and standard personal allowance. This tool does not constitute tax advice — consult a qualified accountant before acting on the figures.