Property Cashflow Property Cashflow Pro Calculator
For UK directors with external PAYE income (2025/26) — salary, tax-free expenses, employer pension and dividends, in the right order.
Money in a property company is not yet your money. This calculator stacks the ways of taking it out in the order that costs least tax, for the 2025/26 rates, and shows what actually lands in your account.
Extracting £50,000 from a property company as salary alone can cost several thousand pounds more in tax and national insurance than the same sum taken as a modest salary, an employer pension contribution and dividends. The order matters as much as the amount.
Usually a small salary, then deductible expenses and an employer pension contribution, then dividends on the balance. The right salary depends on whether you already have PAYE income elsewhere, which is where most generic advice goes wrong.
Not if you already have a PAYE job using your personal allowance. In that case the salary is taxed from the first pound and the usual advice actively costs you money — the situation this calculator was built for.
Yes. Employer contributions are normally an allowable business expense, reduce corporation tax and are not subject to national insurance, which makes them one of the most efficient routes out of a company for money you do not need today.
Want this run on a real deal with you? Book a call, or take the whole set in the UK Property Investor Toolkit.