How tax-efficient is your limited company? Find out in seconds.
The average UK contractor leaves £3,200–£8,000 on the table every year through suboptimal salary structure, missed pension contributions, and wrong VAT scheme. Your Tax Health Score shows exactly where.
Calculate your score7 components that make up your score
IR35 Clarity
20%Good looks like:
Determined, documented, professionally reviewed
Poor looks like:
No assessment completed for current contract
Salary Optimisation
15%Good looks like:
£9,100 for sole directors (zero employer NI)
Poor looks like:
Salary above £12,570 (paying unnecessary income tax) or zero salary (missing personal allowance)
Pension Utilisation
20%Good looks like:
Company pension contribution using at least 30% of annual allowance
Poor looks like:
No pension contributions — the most commonly missed optimisation
Expense Capture
15%Good looks like:
Claiming within expected range for your SIC code and day rate
Poor looks like:
Expenses significantly below the benchmark for your sector
VAT Scheme
10%Good looks like:
On the Flat Rate Scheme if eligible (typical saving: £1,200–£2,400/year)
Poor looks like:
On standard VAT when FRS would save money
Cash Reserve
10%Good looks like:
Enough to cover quarterly VAT + CT estimate + 3 months expenses
Poor looks like:
Reserve below tax obligations — risk of cash crisis
Filing Compliance
10%Good looks like:
All filings submitted on time
Poor looks like:
Any overdue or late filing in the last 12 months
From Grade C to Grade A \u2014 \u00a36,200 more per year
James's story as a real contractor who improved his score.
Before
IT contractor, £600/day. No pension. Standard VAT. No IR35 assessment.
Action 1
Added company pension £20,000/year
Action 2
Switched to VAT Flat Rate Scheme
Action 3
Completed IR35 assessment
Action 4
Optimised salary to £9,100
After
Total additional saving: £6,200/year. All actioned in one afternoon.