You'll find out what your dividends cost you in January. What if you knew now?
Watch the 70-second video below, then get the free calculator that shows you roughly what your personal tax bill looks like — before you draw the money.
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 roughly 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 2 minutesnnnnn▸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.
Now — while you can still plan
You know roughly what's coming, so you can set money aside as you go and decide how much to draw, and when, with your eyes open.
January — when it's already happened
The number is final, the cash has usually gone, and the only decision left is where to find it.
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
Option 2 — talk it through
The Money Leak Audit
Rather have someone look at your actual numbers? Book a free 15-minute call with me. I'll show you where money is leaking, and tell you honestly whether it's worth acting on.
A straight read on where you may be overpaying or exposed
No pitch if it isn't a fit — and you keep everything I find
You speak to me, not a salesperson
Why now, and not in three months. The planning window closes with your year-end, whether you're ready or not. Every month you wait is a month of planning that can't be recovered — waiting doesn't keep your options open, it quietly removes them.
Book your Money Leak Audit
Free · 15 minutes · no obligation
You'll leave knowing exactly where your money is going and what to do about it.
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.