Resources – Spouse Share Planning Calculator

See how much more you could take home by adding your spouse as a shareholder.

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Our calculator estimates the extra monthly take-home pay you could generate by sharing company shares with your spouse.

Simply enter your contracted rate, expenses and your spouse’s shareholding and we’ll show you:

  • Take home with and without a spouse
  • The % increase in your take-home pay
  • Tax impact of sharing dividends and salaries

All our figures are based on this tax year’s allowances and rates, and assume your company expenses are all reimbursed back to you.

A simple way to see the potential tax savings you could enjoy by including your spouse with your limited company.

Spouse share planning calculator • Ltd company
Tax year 2025/26
£
Annual revenue = rate × 5d/w × 44w/y
£
£
Fixed per requirement
Primary will hold 50%
£
Used for PA taper & band stacking; not a company cost.
Your summary
Based on current inputs…
Scenario
Solo (no spouse)
Profit before CT
£0
Corporation Tax
£0
Distributable profit
£0
PAYE on salary
£0
Employee NI
£0
Dividend tax
£0
Net to you (annual)
£0
Net monthly (approx)
£0
Total tax (all)
£0
Scenario
With spouse (50% shares + £12,570)
Profit before CT
£0
Corporation Tax
£0
Distributable profit
£0
PAYE on salaries
£0
Employee NI (both)
£0
Dividend tax (both)
£0
Net to household (annual)
£0
Net monthly (approx)
£0
Total tax (all)
£0
How it’s worked out
Revenue = rate × days/week × weeks/year [× hours/day if hourly]. Company profit = Revenue − Expenses − Salaries (both). CT = 25% × Profit. Distributable = Profit − CT. Solo: 100% shares to Primary. With spouse: share split per inputs; spouse salary £12,570. Dividend allowance applies to each person. Spouse other income reduces their available basic-rate band and may taper the personal allowance.
Assumptions: simplified CT (flat 25%), England/Wales bands, no student loans/pensions/benefits. Estimates only.

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