A&Y Profit Extractor — Salary vs Dividend
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UK Director salary & dividend optimizer. See exactly how much tax you're overpaying via PAYE. By A&Y Financials. UK Director Salary & Dividend Calculator. Calculate the most tax-efficient dividend and salary mix to extract profits from your UK Limited Company. Stop leaking revenue to PAYE. The A&Y Profit Extractor shows company directors, contractors, and startup founders how to minimize their tax liability and keep more of what they earn by optimizing their business withdrawals. ━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHAT IT DOES ━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Dual-Scenario Modeling: Compare standard PAYE (Salary-Only) side-by-side with the optimized A&Y tax-efficient path. • Real-time Sliders: Drag net profit and target personal take-home to see your dynamic tax savings live. • Retained Business Earnings: Instantly view the exact capital remaining inside your company accounts under each extraction route. • Precision HMRC Rate Calibration: - Income Tax: 20% / 40% / 45% bands + personal allowance taper - Employee NI: 8% main / 2% upper - Employer NI: 15% above the £5,000 secondary threshold - Dividend Tax: 8.75% / 33.75% / 39.35% with £500 allowance - Corporation Tax: 25% main rate - Optimized base director salary set to £9,100 (NI-free secondary threshold) ━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHY DIRECTORS LOVE IT ━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✓ Dynamic UI: Sliders make modeling complex tax structures highly visual and intuitive. ✓ Absolute Privacy: All calculations run client-side. Your sensitive financial inputs stay strictly inside your local browser. ✓ Clean Code: Lightweight (~22KB), frictionless interface with no tracking, ads, or logins. ━━━━━━━━━━━━━━━━━━━━━━━━━━━ ABOUT A&Y FINANCIALS ━━━━━━━━━━━━━━━━━━━━━━━━━━━ A&Y Financials is a specialist accounting firm helping business owners, limited company directors, and freelancers maximize their corporate tax efficiency. Planning your year-end extraction? Click the direct link inside the tool to book a comprehensive Director's Tax Review with A&Y at ayfinancials.com/contact. ━━━━━━━━━━━━━━━━━━━━━━━━━━━ DISCLAIMER ━━━━━━━━━━━━━━━━━━━━━━━━━━━ Illustrative estimates only. Calculations assume standard personal allowance and no other sources of personal income. This does not constitute tax advice.