Should I go Ltd? \u00b7 Build It Backwards<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin=\"\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500&family=Inter:wght@400;500&family=Plus+Jakarta+Sans:wght@500;600;700&display=swap\" rel=\"stylesheet\">\n<style>\n :root{\n --ivory:#F6F0E6; --cream:#FCF8F1; --plum:#4A2C3B; --caramel:#BE8A5A;\n --rose:#C7A07A; --ink:#2B2328; --muted:#6E5F63; --line:#E7D9C4;\n --sf:'Fraunces',Georgia,serif; --ss:'Inter',-apple-system,system-ui,sans-serif;\n }\n *{box-sizing:border-box}\n body{margin:0;background:var(--ivory);color:var(--ink);font-family:var(--ss);line-height:1.5;-webkit-font-smoothing:antialiased}\n .wrap{max-width:820px;margin:0 auto;padding:32px 20px 56px}\n .eye{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:#9A6B3A}\n 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small{display:block;color:var(--muted);font-size:11.5px;margin-top:3px;line-height:1.45}\n .vcaveat{font-size:12px;color:var(--muted);margin:12px 0 0;line-height:1.5;font-style:italic}\n .factors{margin-top:22px;background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:22px 24px}\n .factors h3{font-family:var(--sf);font-weight:500;font-size:20px;color:var(--plum);margin:0 0 4px}\n .factors .fsub{font-size:13px;color:var(--muted);margin:0 0 16px}\n .fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px 22px}\n .fitem b{font-family:var(--sf);font-weight:600;font-size:14.5px;color:#9A6B3A;display:block;margin-bottom:3px}\n .fitem p{font-size:13px;color:var(--ink);margin:0;line-height:1.5}\n @media (max-width:640px){.fgrid{grid-template-columns:1fr}}\n<\/style>\n<\/head>\n<body>\n<div class=\"wrap\">\n <div class=\"eye\">Build it backwards \u00b7 toolkit<\/div>\n <h1>Should I go Ltd?<\/h1>\n <p class=\"lede\">See what you'd actually keep as a sole trader versus a limited company, at your numbers, not a rule of thumb.<\/p>\n <div class=\"yeartag\" id=\"yeartag\">Tax year 2026\/27 \u00b7 England, Wales & NI<\/div>\n <div class=\"region\" id=\"region\">\n <button type=\"button\" class=\"on\" data-r=\"ruk\">England, Wales & NI<\/button>\n <button type=\"button\" data-r=\"scotland\">Scotland<\/button>\n <\/div>\n <label class=\"eatoggle\"><input type=\"checkbox\" id=\"eaChk\"><span>The company can claim the Employment Allowance<small>Only tick this if the company has employees beyond a single director. A sole director with no other staff cannot claim it.<\/small><\/span><\/label>\n\n <div class=\"input\">\n <label for=\"profitN\">Your annual profit: what's left after business costs, before you pay yourself or any tax<\/label>\n <div class=\"amt\"><span>\u00a3<\/span><input id=\"profitN\" type=\"number\" min=\"0\" max=\"500000\" step=\"1000\" value=\"60000\"><\/div>\n <input id=\"profitR\" type=\"range\" min=\"0\" max=\"300000\" step=\"1000\" value=\"60000\">\n <\/div>\n\n <div class=\"verdict\">\n <p class=\"h\" id=\"verdictH\">On tax, at \u00a360,000 it\u2019s roughly a wash.<\/p>\n <p class=\"s\" id=\"verdictS\">The tax works out about the same, so a sole trader is often the simpler, lower-admin choice at this level.<\/p>\n <p class=\"vcaveat\">This compares the tax only, and it assumes you take all the profit out. If you can leave some in the company, the limited option gets better. And tax is just one part of the decision, here is what else matters.<\/p>\n <\/div>\n\n <div class=\"cards\">\n <div class=\"card\" id=\"cardST\">\n <div class=\"nm\">Sole trader <span class=\"badge\" id=\"badgeST\" style=\"display:none\">keeps more<\/span><\/div>\n <div class=\"keep\" id=\"keepST\">\u00a346,111<\/div>\n <div class=\"keeplab\">take-home a year \u00b7 <span id=\"rateST\">23%<\/span> effective tax<\/div>\n <div class=\"bar\"><div class=\"take\" id=\"barTakeST\" style=\"width: 76.8523%;\"><\/div><div class=\"tax\" id=\"barTaxST\" style=\"width: 23.1477%;\"><\/div><\/div>\n <div class=\"whereMini\">\n <div class=\"wm you\"><span class=\"dot\"><\/span>To you <b id=\"youST\">\u00a346,111<\/b> <i id=\"youPctST\">77%<\/i><\/div>\n <div class=\"wm hmrc\"><span class=\"dot\"><\/span>To HMRC <b id=\"taxST\">\u00a313,889<\/b> <i id=\"taxPctST\">23%<\/i><\/div>\n <\/div>\n <button class=\"expand\" data-target=\"detailST\" aria-expanded=\"false\"><span class=\"chev\" aria-hidden=\"true\">\u203a<\/span> <span class=\"etxt\">Show full breakdown<\/span><\/button>\n <div class=\"detail\" id=\"detailST\"><h4>Income tax<\/h4><div class=\"dr\"><span>Profit<\/span><b>\u00a360,000<\/b><\/div><div class=\"dr\"><span>Less personal allowance<\/span><b>\u2212\u00a312,570<\/b><\/div><div class=\"dr\"><span>Taxable<\/span><b>\u00a347,430<\/b><\/div><div class=\"dr sub\"><span>\u00a337,700 at 20%<\/span><b>\u00a37,540<\/b><\/div><div class=\"dr sub\"><span>\u00a39,730 at 40%<\/span><b>\u00a33,892<\/b><\/div><div class=\"dr\"><span>Income tax<\/span><b>\u00a311,432<\/b><\/div><h4>National Insurance<\/h4><div class=\"dr sub\"><span>\u00a337,700 at 6%<\/span><b>\u00a32,262<\/b><\/div><div class=\"dr sub\"><span>\u00a39,730 at 2%<\/span><b>\u00a3195<\/b><\/div><div class=\"dr\"><span>Class 4 NI<\/span><b>\u00a32,457<\/b><\/div><div class=\"dr\"><span>Class 2 NI<\/span><b>\u00a30<\/b><\/div><div class=\"note\">Class 2 is treated as paid at this profit level, so there is nothing to pay.<\/div><\/div>\n <\/div>\n\n <div class=\"card\" id=\"cardLtd\">\n <div class=\"nm\">Limited company <span class=\"badge\" id=\"badgeLtd\" style=\"display:none\">keeps more<\/span><\/div>\n <div class=\"keep\" id=\"keepLtd\">\u00a346,091<\/div>\n <div class=\"keeplab\">take-home a year \u00b7 <span id=\"rateLtd\">23%<\/span> effective tax<\/div>\n <div class=\"bar\"><div class=\"take\" id=\"barTakeLtd\" style=\"width: 76.8187%;\"><\/div><div class=\"tax\" id=\"barTaxLtd\" style=\"width: 23.1813%;\"><\/div><\/div>\n <div class=\"whereMini\">\n <div class=\"wm you\"><span class=\"dot\"><\/span>To you <b id=\"youLtd\">\u00a346,091<\/b> <i id=\"youPctLtd\">77%<\/i><\/div>\n <div class=\"wm hmrc\"><span class=\"dot\"><\/span>To HMRC <b id=\"taxLtd\">\u00a313,909<\/b> <i id=\"taxPctLtd\">23%<\/i><\/div>\n <\/div>\n <button class=\"expand\" data-target=\"detailLtd\" aria-expanded=\"false\"><span class=\"chev\" aria-hidden=\"true\">\u203a<\/span> <span class=\"etxt\">Show full breakdown<\/span><\/button>\n <div class=\"detail\" id=\"detailLtd\"><h4>Getting to the company\u2019s taxable profit<\/h4><div class=\"dr\"><span>Profit<\/span><b>\u00a360,000<\/b><\/div><div class=\"dr\"><span>Less director\u2019s salary<\/span><b>\u2212\u00a312,570<\/b><\/div><div class=\"dr\"><span>Less employer\u2019s NI<\/span><b>\u2212\u00a31,136<\/b><\/div><div class=\"dr\"><span>Taxable for corporation tax<\/span><b>\u00a346,295<\/b><\/div><h4>Corporation tax<\/h4><div class=\"dr sub\"><span>19% small profits rate<\/span><b>\u00a38,796<\/b><\/div><h4>Employer\u2019s National Insurance<\/h4><div class=\"dr sub\"><span>\u00a37,570 at 15%<\/span><b>\u00a31,136<\/b><\/div><h4>Dividend tax<\/h4><div class=\"dr\"><span>Dividends after corporation tax<\/span><b>\u00a337,499<\/b><\/div><div class=\"dr sub\"><span>\u00a3500 allowance at 0%<\/span><b>\u00a30<\/b><\/div><div class=\"dr sub\"><span>\u00a336,999 at 10.75%<\/span><b>\u00a33,977<\/b><\/div><div class=\"dr\"><span>Dividend tax<\/span><b>\u00a33,977<\/b><\/div><div class=\"note\">Assumes a \u00a312,570 salary (within your personal allowance, so no income tax or employee NI on it) with the rest taken as dividends. It also assumes a single director with no other employees, so the Employment Allowance does not apply.<\/div><\/div>\n <\/div>\n <\/div>\n\n <div class=\"legend\"><span><span class=\"dot\" style=\"background:#4A2C3B\"><\/span>to you<\/span><span><span class=\"dot\" style=\"background:#B79A86\"><\/span>to HMRC<\/span><\/div>\n\n <div class=\"factors\">\n <h3>The tax is only half the story<\/h3>\n <p class=\"fsub\">This tool compares the tax. But the tax is rarely the only reason, or even the main reason, to pick one over the other. Weigh these up too.<\/p>\n <div class=\"fgrid\">\n <div class=\"fitem\"><b>Protection<\/b><p>A limited company puts a legal wall between the business and your personal home and savings. As a sole trader there is no wall, it is all you. For some businesses that risk is tiny, for others it is the whole reason to incorporate.<\/p><\/div>\n <div class=\"fitem\"><b>Control over your own tax<\/b><p>As a company owner you choose how much to take, and when. You do not have to draw every penny, so you can smooth your income across years and avoid being pushed into the higher rates in a bumper year.<\/p><\/div>\n <div class=\"fitem\"><b>Credibility<\/b><p>Some clients, suppliers and lenders prefer dealing with a limited company. For plenty of others it makes no difference at all.<\/p><\/div>\n <div class=\"fitem\"><b>Admin, cost and privacy<\/b><p>A company means more paperwork, higher accountancy fees, and your details on the public record at Companies House. A sole trader is simpler and more private.<\/p><\/div>\n <\/div>\n <\/div>\n\n <div class=\"assume\">\n <b>How this is worked out.<\/b> A like-for-like comparison at the same profit. The limited-company figure assumes a single director on a \u00a312,570 salary with the rest drawn as dividends, and that you take all the profit out each year. Leaving money in the company can improve the limited-company position. <span id=\"regionNote\">It uses 2026\/27 rates for England, Wales and Northern Ireland.<\/span> It doesn't account for other income, pensions, student loans or associated companies.\n <div class=\"strive\"><b>This is an estimate to help you think, not personal advice.<\/b> The right structure depends on your whole picture, which is exactly the kind of thing we work through with clients at striveX.<\/div>\n <\/div>\n\n <div class=\"nextstep\">\n <span>Got your structure? Next, turn Your Number into the revenue you need.<\/span>\n <a class=\"nextbtn\" href=\"revenue-target.html\">Work out your revenue target<\/a>\n <\/div>\n\n <div class=\"strivex\">\n <div class=\"k\">Build it backwards \u00b7 striveX<\/div>\n <h3>Rather have this handled for you?<\/h3>\n <p>If you'd like an accountant to work out the right setup for your situation and take the admin off your plate, that's what we do at striveX.<\/p>\n <a class=\"cta\" href=\"https:\/\/strivex.co.uk\/become-a-client-accounting\/\" target=\"_blank\" rel=\"noopener\">Become a client<\/a>\n <div class=\"tiny\">No pressure, and no jargon. Just a clear next step when you're ready for one.<\/div>\n <\/div>\n\n <p class=\"foot\" id=\"foot\">Rates set for tax year 2026\/27. Update the CONFIG block at the top of the code each April to keep this evergreen.<\/p>\n<\/div>\n\n<script>\n var CONFIG = {\n taxYear: \"2026\/27\",\n personalAllowance: 12570,\n paTaperStart: 100000,\n basicRateLimit: 50270,\n higherRateLimit: 125140,\n incomeTax: { basic: 0.20, higher: 0.40, additional: 0.45 },\n class4: { lower: 12570, upper: 50270, main: 0.06, upperRate: 0.02 },\n corp: { smallLimit: 50000, mainLimit: 250000, small: 0.19, main: 0.25, marginalFraction: 0.015 },\n dividend: { allowance: 500, basic: 0.1075, higher: 0.3575, additional: 0.3935 },\n employerNI: { rate: 0.15, secondaryThreshold: 5000 },\n directorSalary: 12570,\n rukBands: [[37700,0.20],[74870,0.40],[Infinity,0.45]],\n scotBands: [[3967,0.19],[12989,0.20],[14136,0.21],[31338,0.42],[50140,0.45],[Infinity,0.48]]\n };\n var REGION = 'ruk';\n var EA = false;\n\n var elN = document.getElementById('profitN'), elR = document.getElementById('profitR');\n\n function gbp(n){ return '\\u00A3' + Math.round(n).toLocaleString('en-GB'); }\n function rp(r){ return (Math.round(r*10000)\/100) + '%'; }\n\n function personalAllowance(income){\n if(income <= CONFIG.paTaperStart) return CONFIG.personalAllowance;\n var reduced = CONFIG.personalAllowance - (income - CONFIG.paTaperStart) \/ 2;\n return Math.max(0, reduced);\n }\n\n function incomeTaxOnEarnings(income){\n var pa = personalAllowance(income);\n var taxable = Math.max(0, income - pa);\n var basicBand = CONFIG.basicRateLimit - CONFIG.personalAllowance;\n var higherBand = CONFIG.higherRateLimit - CONFIG.basicRateLimit;\n var t = 0;\n t += Math.min(taxable, basicBand) * CONFIG.incomeTax.basic;\n if(taxable > basicBand) t += Math.min(taxable - basicBand, higherBand) * CONFIG.incomeTax.higher;\n if(taxable > basicBand + higherBand) t += (taxable - basicBand - higherBand) * CONFIG.incomeTax.additional;\n return t;\n }\n\n function class4(profit){\n var c = CONFIG.class4, t = 0;\n if(profit > c.lower) t += (Math.min(profit, c.upper) - c.lower) * c.main;\n if(profit > c.upper) t += (profit - c.upper) * c.upperRate;\n return t;\n }\n\n function corpTax(p){\n var c = CONFIG.corp;\n if(p <= 0) return 0;\n if(p <= c.smallLimit) return p * c.small;\n if(p >= c.mainLimit) return p * c.main;\n return p * c.main - (c.mainLimit - p) * c.marginalFraction;\n }\n\n function bandTax(taxable, bands){\n var slices=[], t=0, rem=taxable;\n for(var i=0;i<bands.length;i++){\n var w=bands[i][0], r=bands[i][1], a=Math.min(rem, w);\n if(a>0){ slices.push({amt:a, rate:r, tax:a*r}); t+=a*r; rem-=a; }\n if(rem<=0) break;\n }\n return { slices:slices, total:t };\n }\n\n function soleTrader(profit){\n var pa = personalAllowance(profit);\n var taxable = Math.max(0, profit - pa);\n var bands = REGION==='scotland' ? CONFIG.scotBands : CONFIG.rukBands;\n var it = bandTax(taxable, bands);\n var income = it.total;\n var c = CONFIG.class4;\n var ni4main = profit > c.lower ? (Math.min(profit, c.upper) - c.lower) : 0;\n var ni4up = profit > c.upper ? (profit - c.upper) : 0;\n var niMain = ni4main * c.main, niUp = ni4up * c.upperRate;\n var ni = niMain + niUp;\n var tax = income + ni;\n return { pa:pa, taxable:taxable, slices:it.slices,\n income:income, ni4main:ni4main, ni4up:ni4up, niMain:niMain, niUp:niUp, ni:ni, tax:tax, take:profit - tax };\n }\n\n function limited(profit){\n var stThr = CONFIG.employerNI.secondaryThreshold, eRate = CONFIG.employerNI.rate;\n var target = Math.min(CONFIG.directorSalary, Math.max(0, profit));\n \/\/ if the company can claim the Employment Allowance, employer's NI on the director's salary is covered\n var effRate = EA ? 0 : eRate;\n var salary = target, salaryCapped = false;\n if(target + Math.max(0, target - stThr) * effRate > profit){\n salaryCapped = true;\n salary = profit <= stThr ? profit : (profit + stThr * eRate) \/ (1 + eRate);\n }\n var eniBase = Math.max(0, salary - stThr);\n var eniGross = eniBase * eRate;\n var eni = EA ? 0 : eniGross;\n var ctProfit = Math.max(0, profit - salary - eni);\n var corp = corpTax(ctProfit);\n var cc = CONFIG.corp, corpNote, marginalRelief = 0;\n if(ctProfit <= 0) corpNote = 'no taxable profit';\n else if(ctProfit <= cc.smallLimit) corpNote = rp(cc.small) + ' small profits rate';\n else if(ctProfit >= cc.mainLimit) corpNote = rp(cc.main) + ' main rate';\n else { corpNote = rp(cc.main) + ' main rate, less marginal relief'; marginalRelief = (cc.mainLimit - ctProfit) * cc.marginalFraction; }\n var dividends = Math.max(0, ctProfit - corp);\n\n \/\/ salary sits within personal allowance (12,570) -> no income tax \/ employee NI\n \/\/ dividends stack on top of salary\n var basicRoom = Math.max(0, CONFIG.basicRateLimit - salary);\n var higherRoom = CONFIG.higherRateLimit - CONFIG.basicRateLimit;\n var divBasic = Math.min(dividends, basicRoom);\n var divHigher = Math.min(Math.max(dividends - basicRoom, 0), higherRoom);\n var divAdd = Math.max(dividends - basicRoom - higherRoom, 0);\n var allowanceUsed = Math.min(CONFIG.dividend.allowance, dividends);\n var effBasic = Math.max(0, divBasic - allowanceUsed); \/\/ \u00a3500 allowance at 0%, sits in basic band\n var taxDivB = effBasic * CONFIG.dividend.basic, taxDivH = divHigher * CONFIG.dividend.higher, taxDivA = divAdd * CONFIG.dividend.additional;\n var divTax = taxDivB + taxDivH + taxDivA;\n\n var tax = corp + eni + divTax;\n return { salary:salary, salaryCapped:salaryCapped, eniBase:eniBase, eni:eni, eniGross:eniGross, ctProfit:ctProfit, corp:corp, corpNote:corpNote, marginalRelief:marginalRelief,\n dividends:dividends, allowanceUsed:allowanceUsed, effBasic:effBasic, divHigher:divHigher, divAdd:divAdd,\n taxDivB:taxDivB, taxDivH:taxDivH, taxDivA:taxDivA, divTax:divTax, tax:tax, take:profit - tax };\n }\n\n function render(profit){\n profit = Math.max(0, profit || 0);\n var st = soleTrader(profit), lt = limited(profit);\n\n var pct = function(v){ return (profit>0?Math.round(v\/profit*100):0) + '%'; };\n document.getElementById('keepST').textContent = gbp(st.take);\n document.getElementById('rateST').textContent = pct(st.tax);\n document.getElementById('youST').textContent = gbp(st.take);\n document.getElementById('youPctST').textContent = pct(st.take);\n document.getElementById('taxST').textContent = gbp(st.tax);\n document.getElementById('taxPctST').textContent = pct(st.tax);\n\n document.getElementById('keepLtd').textContent = gbp(lt.take);\n document.getElementById('rateLtd').textContent = pct(lt.tax);\n document.getElementById('youLtd').textContent = gbp(lt.take);\n document.getElementById('youPctLtd').textContent = pct(lt.take);\n document.getElementById('taxLtd').textContent = gbp(lt.tax);\n document.getElementById('taxPctLtd').textContent = pct(lt.tax);\n\n function setBar(prefix, take, tax){\n var total = take + tax; var tp = total>0 ? take\/total*100 : 100;\n document.getElementById('barTake'+prefix).style.width = tp + '%';\n document.getElementById('barTax'+prefix).style.width = (100-tp) + '%';\n }\n setBar('ST', st.take, st.tax);\n setBar('Ltd', lt.take, lt.tax);\n\n function drow(label, val, sub){ return '<div class=\"dr'+(sub?' sub':'')+'\"><span>'+label+'<\/span><b>'+(val===''?'':val)+'<\/b><\/div>'; }\n\n var d = '';\n d += '<h4>Income tax<\/h4>';\n d += drow('Profit', gbp(profit));\n d += drow('Less personal allowance', '\\u2212' + gbp(st.pa));\n d += drow('Taxable', gbp(st.taxable));\n st.slices.forEach(function(sl){ d += drow(gbp(sl.amt) + ' at ' + rp(sl.rate), gbp(sl.tax), true); });\n d += drow('Income tax', gbp(st.income));\n d += '<h4>National Insurance<\/h4>';\n if(st.ni4main > 0) d += drow(gbp(st.ni4main) + ' at ' + rp(CONFIG.class4.main), gbp(st.niMain), true);\n if(st.ni4up > 0) d += drow(gbp(st.ni4up) + ' at ' + rp(CONFIG.class4.upperRate), gbp(st.niUp), true);\n d += drow('Class 4 NI', gbp(st.ni));\n d += drow('Class 2 NI', gbp(0));\n d += '<div class=\"note\">Class 2 is treated as paid at this profit level, so there is nothing to pay.<\/div>';\n document.getElementById('detailST').innerHTML = d;\n\n var e = '';\n e += '<h4>Getting to the company\\u2019s taxable profit<\/h4>';\n e += drow('Profit', gbp(profit));\n e += drow('Less director\\u2019s salary', '\\u2212' + gbp(lt.salary));\n e += drow('Less employer\\u2019s NI', '\\u2212' + gbp(lt.eni));\n e += drow('Taxable for corporation tax', gbp(lt.ctProfit));\n e += '<h4>Corporation tax<\/h4>';\n e += drow(lt.corpNote, gbp(lt.corp), true);\n if(lt.marginalRelief > 0) e += drow('includes marginal relief of ' + gbp(lt.marginalRelief), '', true);\n e += '<h4>Employer\\u2019s National Insurance<\/h4>';\n e += drow(gbp(lt.eniBase) + ' at ' + rp(CONFIG.employerNI.rate), gbp(lt.eniGross), true);\n if(EA && lt.eniGross > 0){ e += drow('less Employment Allowance', '\\u2212' + gbp(lt.eniGross), true); e += drow('Employer\\u2019s NI payable', gbp(0), true); }\n e += '<h4>Dividend tax<\/h4>';\n e += drow('Dividends after corporation tax', gbp(lt.dividends));\n if(lt.allowanceUsed > 0) e += drow(gbp(lt.allowanceUsed) + ' allowance at 0%', gbp(0), true);\n if(lt.effBasic > 0) e += drow(gbp(lt.effBasic) + ' at ' + rp(CONFIG.dividend.basic), gbp(lt.taxDivB), true);\n if(lt.divHigher > 0) e += drow(gbp(lt.divHigher) + ' at ' + rp(CONFIG.dividend.higher), gbp(lt.taxDivH), true);\n if(lt.divAdd > 0) e += drow(gbp(lt.divAdd) + ' at ' + rp(CONFIG.dividend.additional), gbp(lt.taxDivA), true);\n e += drow('Dividend tax', gbp(lt.divTax));\n e += '<div class=\"note\">Assumes a ' + gbp(lt.salary) + ' salary (within your personal allowance, so no income tax or employee NI on it) with the rest taken as dividends.' + (lt.salaryCapped ? ' At this profit the salary is capped to what the company can actually afford once employer\\u2019s NI is covered, so there is nothing left over for dividends.' : '') + (EA ? ' Employer\\u2019s NI on the salary is covered by the Employment Allowance, which assumes the company genuinely qualifies (it has staff beyond a single director) and has allowance left.' : ' It also assumes a single director with no other employees, so the Employment Allowance does not apply.') + '<\/div>';\n document.getElementById('detailLtd').innerHTML = e;\n\n var diff = Math.round(lt.take) - Math.round(st.take); \/\/ reconcile with the rounded totals shown on the two cards\n var badgeST = document.getElementById('badgeST'), badgeLtd = document.getElementById('badgeLtd');\n var cardST = document.getElementById('cardST'), cardLtd = document.getElementById('cardLtd');\n badgeST.style.display = badgeLtd.style.display = 'none';\n cardST.classList.remove('win'); cardLtd.classList.remove('win');\n\n var h = document.getElementById('verdictH'), s = document.getElementById('verdictS');\n if(profit < 1000){ h.textContent = 'Pop your profit in above'; s.textContent = 'Then you\\u2019ll see exactly what each structure would cost you.'; return; }\n if(Math.abs(diff) < 600){\n h.textContent = 'On tax, at ' + gbp(profit) + ' it\\u2019s roughly a wash.';\n s.textContent = 'The tax works out about the same, so a sole trader is often the simpler, lower-admin choice at this level.';\n } else if(diff > 0){\n cardLtd.classList.add('win'); badgeLtd.style.display = 'inline-block';\n h.textContent = 'On tax alone, a limited company keeps you about ' + gbp(diff) + ' more a year.';\n s.textContent = 'At ' + gbp(profit) + ' profit, before you weigh up the extra admin, filing and accountancy that come with a company.';\n } else {\n cardST.classList.add('win'); badgeST.style.display = 'inline-block';\n h.textContent = 'On tax alone, staying a sole trader keeps you about ' + gbp(-diff) + ' more a year.';\n s.textContent = 'At ' + gbp(profit) + ' profit, and it\\u2019s simpler, with far less admin.';\n }\n }\n\n function sync(v){ v = Math.max(0, parseFloat(v)||0); elN.value = v; if(v<=300000) elR.value = v; render(v); }\n elN.addEventListener('input', function(){ sync(elN.value); });\n elR.addEventListener('input', function(){ sync(elR.value); });\n document.getElementById('yeartag').textContent = 'Tax year ' + CONFIG.taxYear + ' \\u00B7 England, Wales & NI';\n document.querySelectorAll('.expand').forEach(function(btn){\n btn.addEventListener('click', function(){\n var target = document.getElementById(btn.getAttribute('data-target'));\n var open = target.classList.toggle('open');\n btn.classList.toggle('open', open);\n btn.setAttribute('aria-expanded', open ? 'true' : 'false');\n btn.querySelector('.etxt').textContent = open ? 'Hide full breakdown' : 'Show full breakdown';\n });\n });\n var regionEls = document.querySelectorAll('#region button');\n function setRegion(r){\n REGION = r;\n regionEls.forEach(function(b){ b.classList.toggle('on', b.getAttribute('data-r')===r); });\n var scot = r==='scotland';\n document.getElementById('yeartag').textContent = 'Tax year ' + CONFIG.taxYear + ' \\u00B7 ' + (scot ? 'Scotland' : 'England, Wales & NI');\n document.getElementById('regionNote').textContent = scot\n ? 'It uses ' + CONFIG.taxYear + ' Scottish income tax bands for the sole trader. Class 4 NI, corporation tax, employer\\u2019s NI and dividend tax are all UK-wide, so only the sole trader income tax line changes.'\n : 'It uses ' + CONFIG.taxYear + ' rates for England, Wales and Northern Ireland.';\n render(Math.max(0, parseFloat(elN.value) || 0));\n }\n regionEls.forEach(function(b){ b.addEventListener('click', function(){ setRegion(b.getAttribute('data-r')); }); });\n document.getElementById('eaChk').addEventListener('change', function(){ EA = this.checked; render(Math.max(0, parseFloat(elN.value) || 0)); });\n render(60000);\n<\/script>\n\n\n<\/body><\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Should I go Ltd? \u00b7 Build It Backwards Build it backwards \u00b7 toolkit Should I go Ltd? See what you’d actually keep as a sole trader versus a limited company, at your numbers, not a rule of thumb. Tax year 2026\/27 \u00b7 England, Wales & NI England, Wales & NI Scotland The company can claim […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_acf_changed":false,"_eb_attr":"","_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","footnotes":""},"class_list":["post-3201","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/pages\/3201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/comments?post=3201"}],"version-history":[{"count":10,"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/pages\/3201\/revisions"}],"predecessor-version":[{"id":3409,"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/pages\/3201\/revisions\/3409"}],"wp:attachment":[{"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/media?parent=3201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

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small{display:block;color:var(--muted);font-size:11.5px;margin-top:3px;line-height:1.45}\n .vcaveat{font-size:12px;color:var(--muted);margin:12px 0 0;line-height:1.5;font-style:italic}\n .factors{margin-top:22px;background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:22px 24px}\n .factors h3{font-family:var(--sf);font-weight:500;font-size:20px;color:var(--plum);margin:0 0 4px}\n .factors .fsub{font-size:13px;color:var(--muted);margin:0 0 16px}\n .fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px 22px}\n .fitem b{font-family:var(--sf);font-weight:600;font-size:14.5px;color:#9A6B3A;display:block;margin-bottom:3px}\n .fitem p{font-size:13px;color:var(--ink);margin:0;line-height:1.5}\n @media (max-width:640px){.fgrid{grid-template-columns:1fr}}\n<\/style>\n<\/head>\n<body>\n<div class=\"wrap\">\n <div class=\"eye\">Build it backwards \u00b7 toolkit<\/div>\n <h1>Should I go Ltd?<\/h1>\n <p class=\"lede\">See what you'd actually keep as a sole trader versus a limited company, at your numbers, not a rule of thumb.<\/p>\n <div class=\"yeartag\" id=\"yeartag\">Tax year 2026\/27 \u00b7 England, Wales & NI<\/div>\n <div class=\"region\" id=\"region\">\n <button type=\"button\" class=\"on\" data-r=\"ruk\">England, Wales & NI<\/button>\n <button type=\"button\" data-r=\"scotland\">Scotland<\/button>\n <\/div>\n <label class=\"eatoggle\"><input type=\"checkbox\" id=\"eaChk\"><span>The company can claim the Employment Allowance<small>Only tick this if the company has employees beyond a single director. A sole director with no other staff cannot claim it.<\/small><\/span><\/label>\n\n <div class=\"input\">\n <label for=\"profitN\">Your annual profit: what's left after business costs, before you pay yourself or any tax<\/label>\n <div class=\"amt\"><span>\u00a3<\/span><input id=\"profitN\" type=\"number\" min=\"0\" max=\"500000\" step=\"1000\" value=\"60000\"><\/div>\n <input id=\"profitR\" type=\"range\" min=\"0\" max=\"300000\" step=\"1000\" value=\"60000\">\n <\/div>\n\n <div class=\"verdict\">\n <p class=\"h\" id=\"verdictH\">On tax, at \u00a360,000 it\u2019s roughly a wash.<\/p>\n <p class=\"s\" id=\"verdictS\">The tax works out about the same, so a sole trader is often the simpler, lower-admin choice at this level.<\/p>\n <p class=\"vcaveat\">This compares the tax only, and it assumes you take all the profit out. If you can leave some in the company, the limited option gets better. And tax is just one part of the decision, here is what else matters.<\/p>\n <\/div>\n\n <div class=\"cards\">\n <div class=\"card\" id=\"cardST\">\n <div class=\"nm\">Sole trader <span class=\"badge\" id=\"badgeST\" style=\"display:none\">keeps more<\/span><\/div>\n <div class=\"keep\" id=\"keepST\">\u00a346,111<\/div>\n <div class=\"keeplab\">take-home a year \u00b7 <span id=\"rateST\">23%<\/span> effective tax<\/div>\n <div class=\"bar\"><div class=\"take\" id=\"barTakeST\" style=\"width: 76.8523%;\"><\/div><div class=\"tax\" id=\"barTaxST\" style=\"width: 23.1477%;\"><\/div><\/div>\n <div class=\"whereMini\">\n <div class=\"wm you\"><span class=\"dot\"><\/span>To you <b id=\"youST\">\u00a346,111<\/b> <i id=\"youPctST\">77%<\/i><\/div>\n <div class=\"wm hmrc\"><span class=\"dot\"><\/span>To HMRC <b id=\"taxST\">\u00a313,889<\/b> <i id=\"taxPctST\">23%<\/i><\/div>\n <\/div>\n <button class=\"expand\" data-target=\"detailST\" aria-expanded=\"false\"><span class=\"chev\" aria-hidden=\"true\">\u203a<\/span> <span class=\"etxt\">Show full breakdown<\/span><\/button>\n <div class=\"detail\" id=\"detailST\"><h4>Income tax<\/h4><div class=\"dr\"><span>Profit<\/span><b>\u00a360,000<\/b><\/div><div class=\"dr\"><span>Less personal allowance<\/span><b>\u2212\u00a312,570<\/b><\/div><div class=\"dr\"><span>Taxable<\/span><b>\u00a347,430<\/b><\/div><div class=\"dr sub\"><span>\u00a337,700 at 20%<\/span><b>\u00a37,540<\/b><\/div><div class=\"dr sub\"><span>\u00a39,730 at 40%<\/span><b>\u00a33,892<\/b><\/div><div class=\"dr\"><span>Income tax<\/span><b>\u00a311,432<\/b><\/div><h4>National Insurance<\/h4><div class=\"dr sub\"><span>\u00a337,700 at 6%<\/span><b>\u00a32,262<\/b><\/div><div class=\"dr sub\"><span>\u00a39,730 at 2%<\/span><b>\u00a3195<\/b><\/div><div class=\"dr\"><span>Class 4 NI<\/span><b>\u00a32,457<\/b><\/div><div class=\"dr\"><span>Class 2 NI<\/span><b>\u00a30<\/b><\/div><div class=\"note\">Class 2 is treated as paid at this profit level, so there is nothing to pay.<\/div><\/div>\n <\/div>\n\n <div class=\"card\" id=\"cardLtd\">\n <div class=\"nm\">Limited company <span class=\"badge\" id=\"badgeLtd\" style=\"display:none\">keeps more<\/span><\/div>\n <div class=\"keep\" id=\"keepLtd\">\u00a346,091<\/div>\n <div class=\"keeplab\">take-home a year \u00b7 <span id=\"rateLtd\">23%<\/span> effective tax<\/div>\n <div class=\"bar\"><div class=\"take\" id=\"barTakeLtd\" style=\"width: 76.8187%;\"><\/div><div class=\"tax\" id=\"barTaxLtd\" style=\"width: 23.1813%;\"><\/div><\/div>\n <div class=\"whereMini\">\n <div class=\"wm you\"><span class=\"dot\"><\/span>To you <b id=\"youLtd\">\u00a346,091<\/b> <i id=\"youPctLtd\">77%<\/i><\/div>\n <div class=\"wm hmrc\"><span class=\"dot\"><\/span>To HMRC <b id=\"taxLtd\">\u00a313,909<\/b> <i id=\"taxPctLtd\">23%<\/i><\/div>\n <\/div>\n <button class=\"expand\" data-target=\"detailLtd\" aria-expanded=\"false\"><span class=\"chev\" aria-hidden=\"true\">\u203a<\/span> <span class=\"etxt\">Show full breakdown<\/span><\/button>\n <div class=\"detail\" id=\"detailLtd\"><h4>Getting to the company\u2019s taxable profit<\/h4><div class=\"dr\"><span>Profit<\/span><b>\u00a360,000<\/b><\/div><div class=\"dr\"><span>Less director\u2019s salary<\/span><b>\u2212\u00a312,570<\/b><\/div><div class=\"dr\"><span>Less employer\u2019s NI<\/span><b>\u2212\u00a31,136<\/b><\/div><div class=\"dr\"><span>Taxable for corporation tax<\/span><b>\u00a346,295<\/b><\/div><h4>Corporation tax<\/h4><div class=\"dr sub\"><span>19% small profits rate<\/span><b>\u00a38,796<\/b><\/div><h4>Employer\u2019s National Insurance<\/h4><div class=\"dr sub\"><span>\u00a37,570 at 15%<\/span><b>\u00a31,136<\/b><\/div><h4>Dividend tax<\/h4><div class=\"dr\"><span>Dividends after corporation tax<\/span><b>\u00a337,499<\/b><\/div><div class=\"dr sub\"><span>\u00a3500 allowance at 0%<\/span><b>\u00a30<\/b><\/div><div class=\"dr sub\"><span>\u00a336,999 at 10.75%<\/span><b>\u00a33,977<\/b><\/div><div class=\"dr\"><span>Dividend tax<\/span><b>\u00a33,977<\/b><\/div><div class=\"note\">Assumes a \u00a312,570 salary (within your personal allowance, so no income tax or employee NI on it) with the rest taken as dividends. It also assumes a single director with no other employees, so the Employment Allowance does not apply.<\/div><\/div>\n <\/div>\n <\/div>\n\n <div class=\"legend\"><span><span class=\"dot\" style=\"background:#4A2C3B\"><\/span>to you<\/span><span><span class=\"dot\" style=\"background:#B79A86\"><\/span>to HMRC<\/span><\/div>\n\n <div class=\"factors\">\n <h3>The tax is only half the story<\/h3>\n <p class=\"fsub\">This tool compares the tax. But the tax is rarely the only reason, or even the main reason, to pick one over the other. Weigh these up too.<\/p>\n <div class=\"fgrid\">\n <div class=\"fitem\"><b>Protection<\/b><p>A limited company puts a legal wall between the business and your personal home and savings. As a sole trader there is no wall, it is all you. For some businesses that risk is tiny, for others it is the whole reason to incorporate.<\/p><\/div>\n <div class=\"fitem\"><b>Control over your own tax<\/b><p>As a company owner you choose how much to take, and when. You do not have to draw every penny, so you can smooth your income across years and avoid being pushed into the higher rates in a bumper year.<\/p><\/div>\n <div class=\"fitem\"><b>Credibility<\/b><p>Some clients, suppliers and lenders prefer dealing with a limited company. For plenty of others it makes no difference at all.<\/p><\/div>\n <div class=\"fitem\"><b>Admin, cost and privacy<\/b><p>A company means more paperwork, higher accountancy fees, and your details on the public record at Companies House. A sole trader is simpler and more private.<\/p><\/div>\n <\/div>\n <\/div>\n\n <div class=\"assume\">\n <b>How this is worked out.<\/b> A like-for-like comparison at the same profit. The limited-company figure assumes a single director on a \u00a312,570 salary with the rest drawn as dividends, and that you take all the profit out each year. Leaving money in the company can improve the limited-company position. <span id=\"regionNote\">It uses 2026\/27 rates for England, Wales and Northern Ireland.<\/span> It doesn't account for other income, pensions, student loans or associated companies.\n <div class=\"strive\"><b>This is an estimate to help you think, not personal advice.<\/b> The right structure depends on your whole picture, which is exactly the kind of thing we work through with clients at striveX.<\/div>\n <\/div>\n\n <div class=\"nextstep\">\n <span>Got your structure? Next, turn Your Number into the revenue you need.<\/span>\n <a class=\"nextbtn\" href=\"revenue-target.html\">Work out your revenue target<\/a>\n <\/div>\n\n <div class=\"strivex\">\n <div class=\"k\">Build it backwards \u00b7 striveX<\/div>\n <h3>Rather have this handled for you?<\/h3>\n <p>If you'd like an accountant to work out the right setup for your situation and take the admin off your plate, that's what we do at striveX.<\/p>\n <a class=\"cta\" href=\"https:\/\/strivex.co.uk\/become-a-client-accounting\/\" target=\"_blank\" rel=\"noopener\">Become a client<\/a>\n <div class=\"tiny\">No pressure, and no jargon. Just a clear next step when you're ready for one.<\/div>\n <\/div>\n\n <p class=\"foot\" id=\"foot\">Rates set for tax year 2026\/27. Update the CONFIG block at the top of the code each April to keep this evergreen.<\/p>\n<\/div>\n\n<script>\n var CONFIG = {\n taxYear: \"2026\/27\",\n personalAllowance: 12570,\n paTaperStart: 100000,\n basicRateLimit: 50270,\n higherRateLimit: 125140,\n incomeTax: { basic: 0.20, higher: 0.40, additional: 0.45 },\n class4: { lower: 12570, upper: 50270, main: 0.06, upperRate: 0.02 },\n corp: { smallLimit: 50000, mainLimit: 250000, small: 0.19, main: 0.25, marginalFraction: 0.015 },\n dividend: { allowance: 500, basic: 0.1075, higher: 0.3575, additional: 0.3935 },\n employerNI: { rate: 0.15, secondaryThreshold: 5000 },\n directorSalary: 12570,\n rukBands: [[37700,0.20],[74870,0.40],[Infinity,0.45]],\n scotBands: [[3967,0.19],[12989,0.20],[14136,0.21],[31338,0.42],[50140,0.45],[Infinity,0.48]]\n };\n var REGION = 'ruk';\n var EA = false;\n\n var elN = document.getElementById('profitN'), elR = document.getElementById('profitR');\n\n function gbp(n){ return '\\u00A3' + Math.round(n).toLocaleString('en-GB'); }\n function rp(r){ return (Math.round(r*10000)\/100) + '%'; }\n\n function personalAllowance(income){\n if(income <= CONFIG.paTaperStart) return CONFIG.personalAllowance;\n var reduced = CONFIG.personalAllowance - (income - CONFIG.paTaperStart) \/ 2;\n return Math.max(0, reduced);\n }\n\n function incomeTaxOnEarnings(income){\n var pa = personalAllowance(income);\n var taxable = Math.max(0, income - pa);\n var basicBand = CONFIG.basicRateLimit - CONFIG.personalAllowance;\n var higherBand = CONFIG.higherRateLimit - CONFIG.basicRateLimit;\n var t = 0;\n t += Math.min(taxable, basicBand) * CONFIG.incomeTax.basic;\n if(taxable > basicBand) t += Math.min(taxable - basicBand, higherBand) * CONFIG.incomeTax.higher;\n if(taxable > basicBand + higherBand) t += (taxable - basicBand - higherBand) * CONFIG.incomeTax.additional;\n return t;\n }\n\n function class4(profit){\n var c = CONFIG.class4, t = 0;\n if(profit > c.lower) t += (Math.min(profit, c.upper) - c.lower) * c.main;\n if(profit > c.upper) t += (profit - c.upper) * c.upperRate;\n return t;\n }\n\n function corpTax(p){\n var c = CONFIG.corp;\n if(p <= 0) return 0;\n if(p <= c.smallLimit) return p * c.small;\n if(p >= c.mainLimit) return p * c.main;\n return p * c.main - (c.mainLimit - p) * c.marginalFraction;\n }\n\n function bandTax(taxable, bands){\n var slices=[], t=0, rem=taxable;\n for(var i=0;i<bands.length;i++){\n var w=bands[i][0], r=bands[i][1], a=Math.min(rem, w);\n if(a>0){ slices.push({amt:a, rate:r, tax:a*r}); t+=a*r; rem-=a; }\n if(rem<=0) break;\n }\n return { slices:slices, total:t };\n }\n\n function soleTrader(profit){\n var pa = personalAllowance(profit);\n var taxable = Math.max(0, profit - pa);\n var bands = REGION==='scotland' ? CONFIG.scotBands : CONFIG.rukBands;\n var it = bandTax(taxable, bands);\n var income = it.total;\n var c = CONFIG.class4;\n var ni4main = profit > c.lower ? (Math.min(profit, c.upper) - c.lower) : 0;\n var ni4up = profit > c.upper ? (profit - c.upper) : 0;\n var niMain = ni4main * c.main, niUp = ni4up * c.upperRate;\n var ni = niMain + niUp;\n var tax = income + ni;\n return { pa:pa, taxable:taxable, slices:it.slices,\n income:income, ni4main:ni4main, ni4up:ni4up, niMain:niMain, niUp:niUp, ni:ni, tax:tax, take:profit - tax };\n }\n\n function limited(profit){\n var stThr = CONFIG.employerNI.secondaryThreshold, eRate = CONFIG.employerNI.rate;\n var target = Math.min(CONFIG.directorSalary, Math.max(0, profit));\n \/\/ if the company can claim the Employment Allowance, employer's NI on the director's salary is covered\n var effRate = EA ? 0 : eRate;\n var salary = target, salaryCapped = false;\n if(target + Math.max(0, target - stThr) * effRate > profit){\n salaryCapped = true;\n salary = profit <= stThr ? profit : (profit + stThr * eRate) \/ (1 + eRate);\n }\n var eniBase = Math.max(0, salary - stThr);\n var eniGross = eniBase * eRate;\n var eni = EA ? 0 : eniGross;\n var ctProfit = Math.max(0, profit - salary - eni);\n var corp = corpTax(ctProfit);\n var cc = CONFIG.corp, corpNote, marginalRelief = 0;\n if(ctProfit <= 0) corpNote = 'no taxable profit';\n else if(ctProfit <= cc.smallLimit) corpNote = rp(cc.small) + ' small profits rate';\n else if(ctProfit >= cc.mainLimit) corpNote = rp(cc.main) + ' main rate';\n else { corpNote = rp(cc.main) + ' main rate, less marginal relief'; marginalRelief = (cc.mainLimit - ctProfit) * cc.marginalFraction; }\n var dividends = Math.max(0, ctProfit - corp);\n\n \/\/ salary sits within personal allowance (12,570) -> no income tax \/ employee NI\n \/\/ dividends stack on top of salary\n var basicRoom = Math.max(0, CONFIG.basicRateLimit - salary);\n var higherRoom = CONFIG.higherRateLimit - CONFIG.basicRateLimit;\n var divBasic = Math.min(dividends, basicRoom);\n var divHigher = Math.min(Math.max(dividends - basicRoom, 0), higherRoom);\n var divAdd = Math.max(dividends - basicRoom - higherRoom, 0);\n var allowanceUsed = Math.min(CONFIG.dividend.allowance, dividends);\n var effBasic = Math.max(0, divBasic - allowanceUsed); \/\/ \u00a3500 allowance at 0%, sits in basic band\n var taxDivB = effBasic * CONFIG.dividend.basic, taxDivH = divHigher * CONFIG.dividend.higher, taxDivA = divAdd * CONFIG.dividend.additional;\n var divTax = taxDivB + taxDivH + taxDivA;\n\n var tax = corp + eni + divTax;\n return { salary:salary, salaryCapped:salaryCapped, eniBase:eniBase, eni:eni, eniGross:eniGross, ctProfit:ctProfit, corp:corp, corpNote:corpNote, marginalRelief:marginalRelief,\n dividends:dividends, allowanceUsed:allowanceUsed, effBasic:effBasic, divHigher:divHigher, divAdd:divAdd,\n taxDivB:taxDivB, taxDivH:taxDivH, taxDivA:taxDivA, divTax:divTax, tax:tax, take:profit - tax };\n }\n\n function render(profit){\n profit = Math.max(0, profit || 0);\n var st = soleTrader(profit), lt = limited(profit);\n\n var pct = function(v){ return (profit>0?Math.round(v\/profit*100):0) + '%'; };\n document.getElementById('keepST').textContent = gbp(st.take);\n document.getElementById('rateST').textContent = pct(st.tax);\n document.getElementById('youST').textContent = gbp(st.take);\n document.getElementById('youPctST').textContent = pct(st.take);\n document.getElementById('taxST').textContent = gbp(st.tax);\n document.getElementById('taxPctST').textContent = pct(st.tax);\n\n document.getElementById('keepLtd').textContent = gbp(lt.take);\n document.getElementById('rateLtd').textContent = pct(lt.tax);\n document.getElementById('youLtd').textContent = gbp(lt.take);\n document.getElementById('youPctLtd').textContent = pct(lt.take);\n document.getElementById('taxLtd').textContent = gbp(lt.tax);\n document.getElementById('taxPctLtd').textContent = pct(lt.tax);\n\n function setBar(prefix, take, tax){\n var total = take + tax; var tp = total>0 ? take\/total*100 : 100;\n document.getElementById('barTake'+prefix).style.width = tp + '%';\n document.getElementById('barTax'+prefix).style.width = (100-tp) + '%';\n }\n setBar('ST', st.take, st.tax);\n setBar('Ltd', lt.take, lt.tax);\n\n function drow(label, val, sub){ return '<div class=\"dr'+(sub?' sub':'')+'\"><span>'+label+'<\/span><b>'+(val===''?'':val)+'<\/b><\/div>'; }\n\n var d = '';\n d += '<h4>Income tax<\/h4>';\n d += drow('Profit', gbp(profit));\n d += drow('Less personal allowance', '\\u2212' + gbp(st.pa));\n d += drow('Taxable', gbp(st.taxable));\n st.slices.forEach(function(sl){ d += drow(gbp(sl.amt) + ' at ' + rp(sl.rate), gbp(sl.tax), true); });\n d += drow('Income tax', gbp(st.income));\n d += '<h4>National Insurance<\/h4>';\n if(st.ni4main > 0) d += drow(gbp(st.ni4main) + ' at ' + rp(CONFIG.class4.main), gbp(st.niMain), true);\n if(st.ni4up > 0) d += drow(gbp(st.ni4up) + ' at ' + rp(CONFIG.class4.upperRate), gbp(st.niUp), true);\n d += drow('Class 4 NI', gbp(st.ni));\n d += drow('Class 2 NI', gbp(0));\n d += '<div class=\"note\">Class 2 is treated as paid at this profit level, so there is nothing to pay.<\/div>';\n document.getElementById('detailST').innerHTML = d;\n\n var e = '';\n e += '<h4>Getting to the company\\u2019s taxable profit<\/h4>';\n e += drow('Profit', gbp(profit));\n e += drow('Less director\\u2019s salary', '\\u2212' + gbp(lt.salary));\n e += drow('Less employer\\u2019s NI', '\\u2212' + gbp(lt.eni));\n e += drow('Taxable for corporation tax', gbp(lt.ctProfit));\n e += '<h4>Corporation tax<\/h4>';\n e += drow(lt.corpNote, gbp(lt.corp), true);\n if(lt.marginalRelief > 0) e += drow('includes marginal relief of ' + gbp(lt.marginalRelief), '', true);\n e += '<h4>Employer\\u2019s National Insurance<\/h4>';\n e += drow(gbp(lt.eniBase) + ' at ' + rp(CONFIG.employerNI.rate), gbp(lt.eniGross), true);\n if(EA && lt.eniGross > 0){ e += drow('less Employment Allowance', '\\u2212' + gbp(lt.eniGross), true); e += drow('Employer\\u2019s NI payable', gbp(0), true); }\n e += '<h4>Dividend tax<\/h4>';\n e += drow('Dividends after corporation tax', gbp(lt.dividends));\n if(lt.allowanceUsed > 0) e += drow(gbp(lt.allowanceUsed) + ' allowance at 0%', gbp(0), true);\n if(lt.effBasic > 0) e += drow(gbp(lt.effBasic) + ' at ' + rp(CONFIG.dividend.basic), gbp(lt.taxDivB), true);\n if(lt.divHigher > 0) e += drow(gbp(lt.divHigher) + ' at ' + rp(CONFIG.dividend.higher), gbp(lt.taxDivH), true);\n if(lt.divAdd > 0) e += drow(gbp(lt.divAdd) + ' at ' + rp(CONFIG.dividend.additional), gbp(lt.taxDivA), true);\n e += drow('Dividend tax', gbp(lt.divTax));\n e += '<div class=\"note\">Assumes a ' + gbp(lt.salary) + ' salary (within your personal allowance, so no income tax or employee NI on it) with the rest taken as dividends.' + (lt.salaryCapped ? ' At this profit the salary is capped to what the company can actually afford once employer\\u2019s NI is covered, so there is nothing left over for dividends.' : '') + (EA ? ' Employer\\u2019s NI on the salary is covered by the Employment Allowance, which assumes the company genuinely qualifies (it has staff beyond a single director) and has allowance left.' : ' It also assumes a single director with no other employees, so the Employment Allowance does not apply.') + '<\/div>';\n document.getElementById('detailLtd').innerHTML = e;\n\n var diff = Math.round(lt.take) - Math.round(st.take); \/\/ reconcile with the rounded totals shown on the two cards\n var badgeST = document.getElementById('badgeST'), badgeLtd = document.getElementById('badgeLtd');\n var cardST = document.getElementById('cardST'), cardLtd = document.getElementById('cardLtd');\n badgeST.style.display = badgeLtd.style.display = 'none';\n cardST.classList.remove('win'); cardLtd.classList.remove('win');\n\n var h = document.getElementById('verdictH'), s = document.getElementById('verdictS');\n if(profit < 1000){ h.textContent = 'Pop your profit in above'; s.textContent = 'Then you\\u2019ll see exactly what each structure would cost you.'; return; }\n if(Math.abs(diff) < 600){\n h.textContent = 'On tax, at ' + gbp(profit) + ' it\\u2019s roughly a wash.';\n s.textContent = 'The tax works out about the same, so a sole trader is often the simpler, lower-admin choice at this level.';\n } else if(diff > 0){\n cardLtd.classList.add('win'); badgeLtd.style.display = 'inline-block';\n h.textContent = 'On tax alone, a limited company keeps you about ' + gbp(diff) + ' more a year.';\n s.textContent = 'At ' + gbp(profit) + ' profit, before you weigh up the extra admin, filing and accountancy that come with a company.';\n } else {\n cardST.classList.add('win'); badgeST.style.display = 'inline-block';\n h.textContent = 'On tax alone, staying a sole trader keeps you about ' + gbp(-diff) + ' more a year.';\n s.textContent = 'At ' + gbp(profit) + ' profit, and it\\u2019s simpler, with far less admin.';\n }\n }\n\n function sync(v){ v = Math.max(0, parseFloat(v)||0); elN.value = v; if(v<=300000) elR.value = v; render(v); }\n elN.addEventListener('input', function(){ sync(elN.value); });\n elR.addEventListener('input', function(){ sync(elR.value); });\n document.getElementById('yeartag').textContent = 'Tax year ' + CONFIG.taxYear + ' \\u00B7 England, Wales & NI';\n document.querySelectorAll('.expand').forEach(function(btn){\n btn.addEventListener('click', function(){\n var target = document.getElementById(btn.getAttribute('data-target'));\n var open = target.classList.toggle('open');\n btn.classList.toggle('open', open);\n btn.setAttribute('aria-expanded', open ? 'true' : 'false');\n btn.querySelector('.etxt').textContent = open ? 'Hide full breakdown' : 'Show full breakdown';\n });\n });\n var regionEls = document.querySelectorAll('#region button');\n function setRegion(r){\n REGION = r;\n regionEls.forEach(function(b){ b.classList.toggle('on', b.getAttribute('data-r')===r); });\n var scot = r==='scotland';\n document.getElementById('yeartag').textContent = 'Tax year ' + CONFIG.taxYear + ' \\u00B7 ' + (scot ? 'Scotland' : 'England, Wales & NI');\n document.getElementById('regionNote').textContent = scot\n ? 'It uses ' + CONFIG.taxYear + ' Scottish income tax bands for the sole trader. Class 4 NI, corporation tax, employer\\u2019s NI and dividend tax are all UK-wide, so only the sole trader income tax line changes.'\n : 'It uses ' + CONFIG.taxYear + ' rates for England, Wales and Northern Ireland.';\n render(Math.max(0, parseFloat(elN.value) || 0));\n }\n regionEls.forEach(function(b){ b.addEventListener('click', function(){ setRegion(b.getAttribute('data-r')); }); });\n document.getElementById('eaChk').addEventListener('change', function(){ EA = this.checked; render(Math.max(0, parseFloat(elN.value) || 0)); });\n render(60000);\n<\/script>\n\n\n<\/body><\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Should I go Ltd? \u00b7 Build It Backwards Build it backwards \u00b7 toolkit Should I go Ltd? See what you’d actually keep as a sole trader versus a limited company, at your numbers, not a rule of thumb. Tax year 2026\/27 \u00b7 England, Wales & NI England, Wales & NI Scotland The company can claim […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_acf_changed":false,"_eb_attr":"","_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","footnotes":""},"class_list":["post-3201","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/pages\/3201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/comments?post=3201"}],"version-history":[{"count":10,"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/pages\/3201\/revisions"}],"predecessor-version":[{"id":3409,"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/pages\/3201\/revisions\/3409"}],"wp:attachment":[{"href":"https:\/\/www.bare-digital.com\/ashe\/wp-json\/wp\/v2\/media?parent=3201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}