FOR UK COMPANY DIRECTORS PLANNING A HOME
Limited company investment calculator
Explore how monthly company surplus could contribute to a future home fund. Adjust funding, returns and tax assumptions, then compare company capital with illustrative personal proceeds.
Explore your scenario ↓Free to use. No sign-up. Calculations run in your browser.
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Money going in
Return & company tax
Reserves, fees & rerouting
A future home fund
COMPANY PROJECTION
1 year(s) · 12 monthly tranchesStill inside the company
£12,242After £81 company tax and £0 expenses.
- Capital contributed
- £12,000
- Gross yield
- £323
- Net investment gain
- £242
Base £1,000/month + extra £0/month from month 4. Full precision used before rounding.
Month by month, room to grow.
Tax and expenses leave the pot every 12 months. A dip at year-end reflects that deduction.
What if there were no investment return?
Same funding, timing, fees and tax assumptions. Only the annual yield changes. The exit haircut still applies to both scenarios.
| At the end | Chosen 5% APY | 0% APY |
|---|---|---|
| Company balance | £12,242 | £12,000 |
| Illustrative personal proceeds | £7,865 | £7,710 |
Zero return is a comparison, not a guaranteed floor or a savings-product quote. Investments can lose money. Inflation is not modelled.
IF YOU EVENTUALLY WITHDRAW
Company capital ≠ personal cash.
A separate sensitivity check. No assumption that the full pot is legally distributable or that an intercompany loan belongs to you.
- Company balance after exit haircut
- £12,242
- Illustrative extraction tax
- −£4,376
- Illustrative personal proceeds
- £7,865
£42,135 below your £50,000 target.
Flat haircut excludes tax bands, dividend allowance, personal-allowance taper, loan repayment, reserves tests and transaction costs. It is not a withdrawal recommendation.Assumptions and results together, ready to discuss with your accountant.
Every tranche, every deduction
Values shown to the nearest pound; CSV retains pennies.
Download monthly CSV ↓| Month | Added | Yield | Tax | Fees | Closing |
|---|---|---|---|---|---|
| 1 | £1,000 | £4 | £0 | £0 | £1,004 |
| 2 | £1,000 | £8 | £0 | £0 | £2,012 |
| 3 | £1,000 | £12 | £0 | £0 | £3,025 |
| 4 | £1,000 | £16 | £0 | £0 | £4,041 |
| 5 | £1,000 | £21 | £0 | £0 | £5,061 |
| 6 | £1,000 | £25 | £0 | £0 | £6,086 |
| 7 | £1,000 | £29 | £0 | £0 | £7,115 |
| 8 | £1,000 | £33 | £0 | £0 | £8,148 |
| 9 | £1,000 | £37 | £0 | £0 | £9,185 |
| 10 | £1,000 | £41 | £0 | £0 | £10,227 |
| 11 | £1,000 | £46 | £0 | £0 | £11,273 |
| 12 | £1,000 | £50 | £81 | £0 | £12,242 |
AN INVENTED EXAMPLE, NOT A RETURN FORECAST
£1,000 a month. Two different pots.
A company invests £1,000 at the start of each month for one year: £12,000 in total. Starting cash, extra funding, reserves, fees and other taxable profit are all £0. The chosen yield is 5% APY; investment profit uses the 25% company-tax assumption.
At year-end, the model deducts company tax from the investment. A separate 25% flat extraction haircut then illustrates personal proceeds, with no exit loss. This is not a calculation of anyone’s actual dividend tax.
Fixed public example · capital-1.0 (2026-09-24) · Changing your inputs above does not change this example.
- Capital contributed
- £12,000
- Gross investment yield
- £323
- Company tax on that yield
- £81
- Still inside the company
- £12,242
- Illustrative personal proceeds
- £9,181
Company money is not automatically personal spending money. The extraction haircut is a sensitivity, not proof that the full balance can legally be distributed.
READ THE SMALL PRINT, IN NORMAL-SIZED TYPE
A model you can question.
This calculator explores assumptions. It does not establish company structure, product access, tax treatment or affordability. Check the plan with a qualified accountant before acting.
Model maintained by A Place Ahead · capital-1.0 (2026-09-24). Independent UK tax review pending.
How the calculation works
Annual available surplus less your annual reserve is divided by 12. Extra funding starts in the month you select and continues through the term. Opening capital is invested from day one. Contributions are assumed to be cash already available after trading tax and other commitments.
Monthly return = (1 + APY ÷ 100)^(1 ÷ 12) − 1. It is not APY divided by 12. Deposits earn from the beginning or end of the month as selected. Each projection year has 12 equal model months, not dated daily cash flows.
At each model year-end, deductible expenses and incremental company tax leave the investment. This is a modelling convention, not an HMRC payment date. There is no loss relief, tax refund, changing future tax rate, exempt distribution or shortened accounting period in this model.
Eligible-company marginal relief uses the £50,000 and £250,000 limits divided by the total associated-company count including this company. With augmented profits equal to taxable profits, relief in the band is (upper limit − profits) × 3/200. Other annual profit is used only to calculate incremental tax attributable to this investment.
Tax assumptions and current sources
A close investment holding company cannot claim small-profits rates or marginal relief. The default is a 25% main-rate assumption; selecting eligible-company mode does not establish eligibility.
HMRC: company tax and marginal relief ↗
For 2026/27, dividend rates above available allowances are 10.75%, 35.75% and 39.35%. A large payment can cross bands. The two flat-rate inputs here are sensitivities; they do not calculate an individual's total tax.
Cryptoasset treatment depends on the transaction and contractual rights. This model assumes the entered yield is taxable company profit; it does not classify a Nexo arrangement or value individual token transactions in sterling.
HMRC: cryptoassets and company loan relationships ↗
Sources reviewed 24 September 2026. Future-year rates are held constant for illustration.
Yield, currency and capital at risk
Any entered yield, including 16%, is hypothetical. Nexo's advertised rates vary with region, asset, tier, payout token and lock-up terms. No current UK corporate rate or account eligibility is assumed here.
Provider's USDT rate and terms page ↗
The core model holds sterling value constant. A USD stablecoin can change in sterling value; its peg, platform solvency and access to withdrawals can also fail. The separate exit haircut shows a possible loss without claiming a tax deduction. This is not a protected cash savings projection.
Where your numbers go
Calculations run in this browser. Inputs are not added to the page URL, uploaded, or saved automatically. Reloading restores the generic example. A CSV download or printed summary contains the scenario you entered; choose where to save or share it.
On the owner's local server, an optional button loads an existing private numeric preset. That preset is unavailable through the public website or hosted workspace.
BUILD THE FUND. SEE WHAT REACHES HOME.
When the numbers become a home search.
A funding scenario is one part of the move. Before a property makes your shortlist, check what the school admissions evidence means for its exact address and your intended entry year.
Start with the school checklist →For school profiles and admissions history, search Locrating ↗. Its catchment indicators describe past pupil intakes; confirm eligibility with the school or admission authority. See which school information to check →