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Sole trader vs Limited Company: when does switching actually save you money in 2026?

The crossover point isn't where most online calculators say it is. The actual maths once you factor in dividend tax, NI, accounting costs and admin overhead, with worked examples for £40k, £70k and £100k profit.

Coming May 2026 By Karam, AAT licensed bookkeeper and accountant

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What this guide will cover

The real crossover point at 2026 tax rates
Worked examples at £40k, £70k, and £100k profit
What dividend tax actually does to the maths
NI savings versus the cost of running a Ltd company
Hidden costs people forget: accountancy, admin, IR35, pension contributions
When staying as a sole trader is the smarter call

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