In beta

See the tax on a dividend before you take it, with the sum laid out line by line.

Salary, self-employment, rental profit, interest and dividends all count towards one tax bill. Financial IQ adds them up together and shows what a decision would cost while you can still change it.

Start freePersonal is free forever.

Try a dividend in Scenario first, and nothing is declared.

Add a proposed dividend and the whole year is worked out again. Here, an extra £6,000 takes the bill from £3,816 in Expected to £5,536, so you know it costs £1,720 before you take it.

Employment, self-employment, property profit, interest, dividends and pensions are added up together, the way HMRC does it.
Take-Home Pay has presets too: Clear student loan, +3% pension, Add £5,000 bonus, 5% pay rise and Move to Scotland, then Compare.

A tax pot that knows what’s really in it.

Record what you move into your tax provision pot and what you pay HMRC. What’s still to fund is worked out from the real balance, against the bill you’re expected to owe.

Move money into the pot, or log a payment to HMRC, from the same card.
Switch between Confirmed, Expected and Scenario to see the bill on what's happened, what's likely, or what you're considering.

Clearing a director’s loan, this tax year or next.

If your company runs on FIQ Business and is linked to your Personal account, your director’s loan balance comes across. Ask what clearing it would cost and you see where the money would sit in your bands this year, and what it would cost if you waited until next tax year.

Here, clearing £3,800 now costs £934 in tax, and £355 after 6 April.
It's a scenario on your own figures. The decision stays with you.

In betaThe tax page is in beta

It works on your own figures today, and carries a beta label in the app while we keep refining it. The tax year it uses is always shown, and every line of the sum is there to check.

Scottish rates, by income sourceSet the Tax Region on an income source to Scotland and Scottish rates apply to it. Dividend rates are the same across the UK: 10.75% ordinary, 35.75% upper and 39.35% additional for 2026/27.

Works with

Cash flow forecasting

Your balance forecast ahead, with the lowest point named and dated.

See cash flow forecasting

Net worth

Everything you own and owe in one total, your company included.

See net worth

Budgets and goals

Plan the rest of your money once the tax is set aside.

See budgets and goals

Common questions

Is this financial advice?

No. It works through the arithmetic on your own figures and shows every line of it. The decision stays with you, and complex planning is still worth a professional.

Which tax year does it use?

The 2026/27 tax year, and the tax year is shown on the page next to the figures.

Does it handle Scottish rates?

Yes. Set the Tax Region on an income source to Scotland and Scottish rates apply.

Do I need FIQ Business?

No. You can add your income sources yourself. If your company runs on FIQ Business, dividends and your director's loan balance arrive without retyping, and the director's loan sheet needs that link.

Check a dividend before you take it, with Personal free forever.

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