Corporation Tax savings calculator
See how much Corporation Tax a pension contribution could save your company this year - and how the same money could grow tax-free inside a SSAS.
How much Corporation Tax could your company save?
Three quick inputs and a short eligibility check per director. We will show your saving the moment we know it is accurate.
Use the post-salary, pre-corporation-tax profit figure from your most recent accounts. Type any number or use the sliders.
Trading profit - last year's figure, this year's estimate, or a projection.
Each director's contribution capacity is calculated separately.
Cash drawn as dividends limits how much can go into the pension.
HMRC lets you carry forward up to 3 years of unused pension allowance - but only if you were a member of a registered scheme in those years. Three quick questions per director.
We will not show a saving until each director's eligibility is confirmed - HMRC requires registered scheme membership in each year you carry forward from.
How we got here
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Director-by-director assumptions, HMRC references, and a worked example you can share with your accountant.
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Illustrative only. Assumes the full amount is contributed, growth as selected, and company-retained funds are taxed on gains. Not personal tax advice.
How the calculator works
The figures compare two routes for the same surplus profit. Contributing it into a SSAS removes this year's Corporation Tax on that amount and lets it grow tax-free inside the scheme. Leaving it in the company means it is taxed as profit first, and any later growth is taxed again.
- Corporation Tax saved: the contribution at the 25% main rate.
- Inside a SSAS: the full amount growing tax-free at your chosen rate.
- Kept in the company: the amount after Corporation Tax, growing at a rate reduced for tax on gains.
It is a guide to the scale of the opportunity, not a personal recommendation. The next step is a short call to apply it to your own company's position.
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Which product is right for me?
SSAS, FIC or the Lifetime Business Tax Plan?
See what it means for your company
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Then turn the number into a plan on a free call.