Know what your dividends will cost you- before you draw them, not in January
Free 60 sec calculator: put in your salary and the dividends you're planning to draw, and see your personal tax bill for the year - before you take the money. (70-second explainer below if you'd like it first.)
Dennis Chen, FCCA — director of DC Accountants
Option 1 — get the free calculator
The Salary & Dividends Calculator
Put in your salary and the dividends you're planning to take, and see what your personal tax bill will be for the year. Before you draw the money - while you can still set the cash aside and decide how much to take, and when.
▸ Takes 60 secnnnnn▸No costnnnn▸ Current-year rates
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What most directors never see
Every dividend you take is quietly building a tax bill in the background
You take a small salary and draw dividends through the year as you need them. It all feels fine. But the personal tax on those dividends is stacking up the whole time - and most directors don't see the number until their self-assessment lands. By then, the money's usually been spent.
What you'll see
Two minutes, your numbers, a straight answer
01
Your estimated tax for the year
Based on the salary you take and the dividends you're planning to draw — not a guess, and not a surprise in January.
02
What to set aside
So the money for the bill is already parked before the bill exists, instead of being found in a hurry.
03
What the next dividend really costs
See what you actually keep from the next amount you draw, so you can time it deliberately rather than by feel.
04
Where the rate steps up
Dividend tax isn't one flat rate. See the point where drawing more starts costing you noticeably more.
Who you'd be working with
I'm Dennis Chen
I'm an FCCA, a Fellow of the Association of Chartered Certified Accountants. And I run DC Accountants, an ACCA-registered practice working with owner-directors of UK service businesses.
I built this practice around one idea: filing your taxes and looking after your money are two completely different jobs, and most owners are paying for the first while assuming they're getting the second.
You deal with me directly; not a junior, not a ticket queue
Your numbers looked at all year, not once at year-end
Draft accounts prepared before your year-end, every year
Plain English; the deliverable is a decision, not a document
DC Accountants Ltd - Registered in England & Wales, company no. 12516616.
Dennis Chen FCCA. DC Accountants is an ACCA-registered practice and is supervised for anti-money-laundering purposes.
The calculator and the content on this page are general information and a planning estimate for business owners — not tax advice for your specific circumstances. Tax treatment depends on your individual position and on rules that may change.