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Personal · Tax

The tax consequence arrives before the decision, not after it.

Salary, dividends, rent and savings all stack for tax. Financial IQ models them together and tells you what a decision costs while you can still change it.

Dividend · 12 Sep 2026
Tax year 2026/27
£18,000declared
£500 allowance, 0% £12,800 basic, 8.75% £4,700 higher, 33.75%
Take £13,300 now and £4,700 in April instead?
Same money, two tax years. Saves £1,057. Your call, and here is the working either way.
Before you commit
£4,700 of this dividend crosses into the higher rate. Take it in April and you keep £1,057.
Every income type together

HMRC adds your income up before deciding your rate, so anything that models one type in isolation gives you the wrong answer.

At the moment of decision

The warning appears when you declare a dividend, not in a report the following January when nothing can be changed.

It shows the working

Not just the number, but which slice fell in which band and why. You should be able to check it, and disagree with it.

Timing

The same money, two tax years.

Splitting a dividend across the 5 April boundary is one of the few genuinely large levers available to a director, and it is invisible unless something is watching for it. Financial IQ flags it, shows what each option costs, and leaves the decision with you.

Product shot slot · The same money, two tax years.

Works with

Three related pages, so a visitor and a crawler both find the rest of the product.

Questions about tax intelligence

See it on your own numbers.

It takes about ten minutes.

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