What's the take-home on a £30,000 salary?

With 5% pension and no student loan: Income Tax ≈ £3,486, NICs ≈ £1,392, pension ≈ £1,500. Take-home approximately £23,622/year or £1,968/month.

How does salary sacrifice affect take-home?

Salary sacrifice for pension or benefits reduces gross salary before tax and NICs — saving both Income Tax and National Insurance on the sacrificed amount.

Does my employer pension contribution count?

It doesn't affect take-home pay (it's paid on top) but is important for assessing total remuneration package value.

Sole Trader vs Limited Company 2026/27 | Which Pays Less Tax?

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Overview

This guide covers sole trader vs limited company — tax comparison 2026/27 for the 2026/27 UK tax year with current rates, key rules, and examples.

All rates are confirmed for the 2026/27 tax year (6 April 2026 – 5 April 2027)
Rules apply to England unless otherwise stated
Always verify your specific situation with HMRC or a qualified accountant

Key rules for 2026/27

The rules and rates for sole trader vs limited company — tax comparison 2026/27 are updated each April. For 2026/27 the key thresholds and rates are as published by HMRC and the relevant government bodies. Always verify your personal situation with HMRC directly or a qualified adviser.

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Sole Trader vs Limited Company — Tax Comparison 2026/27

Overview

Key rules for 2026/27

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