A&Y Profit Extractor — Salary vs Dividend

UK Director salary & dividend optimizer. See exactly how much tax you're overpaying via PAYE. By A&Y Financials.

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. ━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHAT IT DOES ━━━━━━━━━━━━━━━━━━━━━━━━━━━ • 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 ━━━━━━━━━━━━━━━━━━━━━━━━━━━ 2025/26 UK TAX RATES BUILT IN ━━━━━━━━━━━━━━━━━━━━━━━━━━━ • 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) ━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHY DIRECTORS LOVE IT ━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✓ 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) ━━━━━━━━━━━━━━━━━━━━━━━━━━━ PERFECT FOR ━━━━━━━━━━━━━━━━━━━━━━━━━━━ • Limited Company directors planning their year-end extraction • Contractors and consultants comparing pay structures • Founders modelling dividend strategies • Accountants doing quick client conversations ━━━━━━━━━━━━━━━━━━━━━━━━━━━ ABOUT A&Y FINANCIALS ━━━━━━━━━━━━━━━━━━━━━━━━━━━ 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 ━━━━━━━━━━━━━━━━━━━━━━━━━━━ DISCLAIMER ━━━━━━━━━━━━━━━━━━━━━━━━━━━ 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.