Kept Business
At the higher band, a pound of salary keeps 58p. A pound of company profit, drawn as a dividend, keeps 48p. Kept Business is the owner’s toolkit — the questions you’d put to a very good accountant, modelled on your own numbers, all year.
Two minutes, no card, no account — and every tool below previews on your numbers.
The toolkit
Every answer below is a modeller you run yourself — change a number, watch the whole position move. No spreadsheet, no forum folklore.
Salary, dividends, employer pension — the right mix stopped being obvious a few Budgets ago. The extraction modeller prices every mix on your profit, and re-prices it when the rules move.
£120,000 of profit, three ways out
Sample: single owner, 2026/27 rates. Yours will differ — that’s the point.
Money boxing is real; so is the drag. Kept compounds both routes — corporation tax, exit charge and all — so a twenty-year argument becomes one screen.
£50,000 of profit a year, invested for 20 years
Sample: 5% growth, 2026/27 rates held. The answer flips with your inputs — that’s why it’s a modeller.
More of your life than you’d think, and less than the internet suggests. Toggle a claim, see what it saves — with the boundary kept honest.
Sample claims, 2026/27 rates — the tool runs nine categories on your numbers.
Why now
A plan written under last year’s rates is quietly wrong under this year’s. HM Treasury thanks you for your continued flexibility — Kept runs the current year’s published rates, so when the Budget moves them, your plan already knows.
+2p
On the basic and higher dividend rates since April 2026.
10% → 18%
Business Asset Disposal Relief, three Aprils apart.
£5,000 → £500
The dividend allowance, since 2016.
Kept Business
A one-off planning review from a firm: £500–£3,500 — and stale by the next Budget.
Seven modellers — the draw, the household, the expenses, the pension, the pile, the exit, the structure — run on your company, as often as you like.
If Kept can’t find you more than £199 a year in tax you’re not currently keeping, it says so on screen — every figure shown before you pay.
Set up your company — freeTwo minutes, no card, no account — the toolkit previews on your numbers, and £199 unlocks it. Renews annually with an email first; cancel in one click; full refund in your first 14 days.
The Personal dashboard is free for everyone — Business is the only thing Kept sells. Guidance, not regulated financial advice.