The Situation
The scenario models a 45-year-old running a profitable limited company, drawing a small salary topped up with dividends — £147,619 of household income in the current year. Regular employer pension contributions flow into a £378,000 SIPP — deductible for Corporation Tax. The household also holds £1,170,000 of property, including the main home and a BTL flat in an SPV.
The year-end question: should the employer pension contribution increase further, should more go into EIS/VCT for the 30% income tax relief, or should cash stay in the company?
Scenario dashboard — projection hero with KPI cards
What Wealth365 Showed
Wealth365 projects the full wrapper mix across a 46-year horizon: the £378k SIPP grows to £4.90m by the final projected year on the back of the employer contributions, with closing net worth of £19.82m across all wrappers.
The tax summary splits the household position by person — income tax on the director's side shown separately from their partner's — making the cost of each extraction choice explicit.
Year-by-year projection with income, expenses and net worth
The Feature That Changed Things
The wrapper comparison tool in Fact Find → Surplus models each wrapper's effective tax rate against the director's marginal income position. Employer pension contributions can carry a 0% effective rate because the CT relief offsets the personal benefit.
The BTL SPV section correctly applies Section 24 mortgage interest relief at basic rate only, showing the true after-tax rental yield.
Wrapper mix analysis — salary, dividends, pension and EIS effective rates
KPI summary — on-track %, projected wealth at retirement, and sustainable income
What They Did Next
The wrapper mix is re-run each January to set the year-end dividend level. The Multi-Year Financial Statements (Excel) export gives the accountant a full P&L, Balance Sheet and Cash Flow per year — the audit-ready evidence behind every extraction call.
Custom-branded PDF report — ready to share or save (Multi-Year Financial Statements Excel workbook produced from the same plan)