Calculate Your Take Home Pay

Revenue

Costs less salary

Gross salary

Employer pension

Gross dividends

Results

Tax saved –
Net profit –
Income tax –
Employee NIC –
Dividend tax –
Total personal tax –
Your take home pay –
Retained earnings –

No tapered annual allowance applies for this income.

Optimise Your Take Home Pay

Employment Allowance LEL (qualifying year)

Optimised inputs

Gross salary (optimised)

Employer pension (from main)

Gross dividends (optimised)

Optimised results

Tax saved –
Net profit –
Income tax –
Employee NIC –
Dividend tax –
Total personal tax –
Your take home pay –
Retained earnings –

—

Tax Alpha

Inputs

Tax Rate

Gross salary (£)

Income tax (est.): £0

Assets Under Advice (£)

Pension

Annual Pension Contribution (£0–£60,000)

Years (1–25)

CGT

Annual CGT Allowance used (£0–£3,000)

Reinvestment Rate (%)

Years (1–25)

IHT

IHT Estimate £0–£1,000,000

Years (1–25)

VCT / EIS

Total Investment (capped at £1.2m per year)

Tax relief fixed at 30%.

Years (1–25)

ISA

Total ISA Investment (£0–£20,000)

Investment Return (%)

Years (1–25)

Adviser Fee (% of AUA per annum)

Results

Total Indicative Annual Tax Saving (Year 1)

£0

After adviser fee: £0

Indicative Annual Performance of Overall Investment

0.00%

Year-1 tax saving ÷ Assets under advice

Adviser Fee (Annual)

£0

Applied to assets under advice

First-Year Annual Saving — Breakdown

Components reflect only those currently ticked on the left.

Cumulative Impact

Show cumulative £ saving

Projected Performance

Period (years)	Performance	Actual £ Saving

Cash Advantages

Show how holding cash can dampen equity drawdowns and how smart cash management boosts returns.

Inputs

Investment Amount

Total portfolio before any shock.

Cash Bucket (as % of portfolio)

Used as pre-shock cash weight (rebalance first); also drives cash principal for Part 2.

Base Cash Rate (annual)

What the client currently earns.

Additional Rate (annual)

Adviser uplift. Total enhanced = Base + Additional.

Market Event Drop 30%

Equity only; bonds and cash unaffected.

Horizon 10 years

Annual compounding, taxes/fees ignored.

Part 1 — Drawdown Dampener

Post-shock (Baseline 50/50)

£—

Loss: —

Post-shock (With Cash)

£—

Loss: —

Loss Avoided

£—

— of portfolio

Recovery needed (Baseline)—

Recovery needed (With Cash)—

Baseline is a 50/50 equity/bond portfolio. “With Cash” assumes rebalancing into your cash bucket before the shock, then applying the drop to equity only.

Part 2 — Cash Management Uplift

Cash Principal

£—

Derived from Cash % × Investment Amount

Interest @ Base

£—

Annual compounding

Interest @ Enhanced

£—

Annual compounding

Uplift

£—

— of cash

Enhanced rate = Base + Additional. Horizon controls the compounding period (1–25 years).

Results Table

Metric	Value	With Cash / Enhanced	Difference
Post-shock portfolio	£—	£—	£—
Loss avoided (% of portfolio)	—	—	—
Recovery needed (Baseline)	—	—	—
Cash principal	£—	—	—
Interest @ Base	£—	—	—
Interest @ Enhanced	—	£—	£—

This table updates live as you move the Market Event Drop and Horizon sliders.

Adviser Alpha

Tune the advice levers, set market expectations, and see the compounding impact over time.

Advice Levers (bps)

Asset Allocation

0 bps

Rebalancing

0 bps

Investment Selection

0 bps

Behavioural Coaching

0 bps

Withdrawal Strategies

0 bps

Tax Planning / Mitigation

0 bps

Total Adviser Alpha 0 bps (0.00%)

Initial Investment

Starting amount

Enter the amount invested on day 1.

Market Model

Asset	Return (p.a.)	Weight
Equity
Fixed Income
Cash
Weighted Market Return	3.35%

Remaining: 0%

Weights must sum to 100%. (Live check)

Milestone Values & Returns

Years	Market Return	With Adviser Alpha	Market Value	With Adviser Alpha	Alpha (£)

For illustrative purposes only.