⏳ 2. True Billable Capacity
💼 3. Business Overheads & Expenses
📊 Annual Financial Breakdown
Gross Turnover Target£0
Annual Allowable Business Expenses£0
Estimated Income Tax (20% / 40%)£0
Class 4 National Insurance (6% / 2%)£0
Pension Reserve£0
Net Take-Home Pay in Pocket£0
💡 HMRC Tax Cushion Advice:
Transfer 25% of every client payment into a dedicated tax savings account on the day you receive it to avoid Self-Assessment shock.